Thank you for your question. I am happy to assist you.
You are likely correct that the credit card company is not working with you because you are up to date on your payments. However, when you stop paying on one card, they will likely cancel both cards.
A better plan of action might be to save the money that you are paying for the monthly payments. After several months of nonpayment the credit card company may be willing to negotiate with you and you will have the funds to make a larger payment.
A creditor must file suit and have their claim reduced to judgment prior to attaching a bank account. You will have typically have plenty of notice.
I hope that the information which I provided was helpful to you.
Best wishes for a successful outcome. If you have additional questions, please do not hesitate to submit them to me directly.
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