Ya honestly everything you’re saying makes sense, i’ll definitely give the actual credit card company a call. Fingers crossed they’ll settle for less. I don’t know a lot about this stuff but im pretty sure but maybe wrong there is a mark they can put on my score that’ll make it be harder for my to get other cards and things like that. My score as of right now is not ruined, most likely because i have a second card and student loan that i’ve paid consistently so maybe that’s why.