So I have one of those "90 days same as cash" type of CC I've paying for a long while now. My balance on one card is around $530 and below the line of credit. Sometimes I get letters in the mail from a debt collector giving me options to pay an amount that is 40% off the balance... option 1: $320 & be done with it... 2: 6 monthly payments... 3: set amount of monthly payments. I have the money to pay it off but I like having extra cash just in case. Should I call them and make sure my credit line goes back to the full amount & not use the card at all?