A Friend Of Mine Recently Became Unemployed And Had To Do The Same. Although We All Hate Giving These Details, It May Work In Your Favour To Do This And Suggest A Realistic Figure That You Know You Really, Really Can Afford Each Month. It May Be A Smaller Amount Than They Would Prefer, But All They Will Do Is Stop Card Usage And If You Have Many Other Outgoings, They Will Be Happy To Be Gaining Back The Money Rather Than None At All. You Know It Wont Go Away And It Is Better To Have An Agreement In Place, Which Will Register Better With Credit Agencies. To Dispute It At This Stage Would Be More Damaging. It Is Far, Far Better To Talk To Them, But Must Re-iterate, You State An Amount You Can Reasonably Afford. If You Dont Act Now With Them, You Will Only Increase Charges. Good Luck! P.s. My Friends Credit Card Debts Come Close To 30k!