Can you negotiate with credit card company to change payment plan?

Yes, you can negotiate with your credit card company to change your payment plan. Many companies are open to discussing options such as lower interest rates, reduced monthly payments, or extended payment terms, especially if you're facing financial difficulties. It's beneficial to be proactive and communicate your situation clearly, as well as to have a proposed plan in mind. Keep in mind that the outcome may vary depending on the company's policies and your payment history.