FP seems to one of (if not THE) worst CC's out there in terms of fees & interest. In a different light, if you enroll them into a DMP they reage your account to current (if you were past due) within 90 days, and eliminate all interest and fees. They don't charge the maintenance/AF fees while enrolled either. They do close the account, until PIF, then upon successful completion of DMP? Well, they will re-open your account for use if you request it - with all original fees & interest reinstated of course.
Just found it amusing how much they give up for DMP participants.