text: if i don't pay credit card payments, what can the card company do to me? card company lowered my payments and intrest rate for a year for a help program. they indicated that rate would stay same low rate if i did good. i did good but when year was up, they more than tripled rate. i can't pay this.what can they do to me if i don't pay them any more money? renegotiate, get the deal back.