I currently have a credit card account with a balance of about $3500. I recently received a large commission check from work and have the cash in hand to pay it off and make the balance $0. I am about to do so, but wanted see if you thought I should just pay the $3500 or call the company (Chase) to see if I should try to negotiate a lower payoff payment. Not sure if this is relevant but my credit score is probably around the low to mid 600s. *The account is closed and has been for several years, but I have been making more than the minimum payment every month, sometimes twice a month. *The Apr is 29.9%. (Yikes) ***I will possibly be buying a house in 9 – 15 months, I would rather pay the whole $3500 than risk have a(nother) bad item on my credit report. Thanks in advance!