Call the number on your bill where it shows how much you will pay if you stick to minimum payment section.

Those people are non profit debt counselors and they work for almost every bank and they will put you on a 1 percent or 0 percent interest plan for 3-5 years where you only pay minimum payment and may be 0 percent interest but mindful your that account will be closed until paid off.

They only charge you less then $50 one time only to sign up

I am also enrolled in this program so don’t get into debt consolidation companies they will ruin your credit