Are you working full time, can you apply for partial disability?
In time cap1 will lower the apr. It'll come with an account closure, but they want what they can get when faced with getting nothing.
your issue is you told them short term <12 months you have to say >12 months and it will let them have access to alterative options
while you still have a good enough fico score, you can take out a loan at about 3% and pay off your card now. or open up a balance transfer card with a long 0% apr period. amex has a good hardship program and they have 15mo 0% on the everyday card.