nope
edit: ok to be more detailed -- I've seen a lot of finance articles suggesting you call and follow a script of some kind, asking for the manager, saying you aren't satisfied yet, etc, until they offer a lower interest plan or other deferments. It hasn't panned out for me despite repeated attempts. At this point most of my debt is at a very very low interest rate anyway (like 3%) this was more of a fluke due to me tracking it badly. Thanks for the idea tho
Okay - we get a lot of offers for interest free credit if you transfer an existing balance. Sometimes the transfer fee is a bit questionable - you're not necessarily paying much less! We also have debt management processes here where you ask that interest is stopped and then you negotiate a payment schedule based on your incoming/outgoing budgets. But I accept that's the UK 😎