Pay full amount?

Riq

Pay it all off in full, you spent the money so why should you not have to pay it all back.

I'm sure if they accept a smaller figure than what is outstanding they will make a note of it across their systems.

time4change

First post after lurking for months and I screw it up - sorr I managed to delete part of my message!

Your post doesn't say if you are 'just paying off your credit cards' or if you have been behind with payments and on a payment plan. If you are just paying off manageable debt and are good with money then I would opt for the 'getting the most from your money approach along the lines of Bokken's idea.

However, judging from your terminology I would hazard a guess that you are like me - crap with money - if this is true I would definitely get shot of it all as quickly as possible and avoid getting into the position of needing a credit card again.

As for payment reductions - as is said before these are for people in financial difficulty who are on a payment plan as they cannot make full regular payments. But hey, the worst they can do is say no...

Good luck - you have a chance here to start again and do it differently so I hope it goes well for you.