I’m thinking of going thru my bank to consolidate my credit cards. Have any of you asked the credit card company to negotiate a lower amount to pay off in full while doing this? Just wondering if it’s worth asking them.

Three separate cards, total of around 7K of credit card debt at 29% interest. Payments are about $360 a month. VS Personal loan of 7k at 13.5%, payment would be about $161/month for 60 months.