Hello, I've made a full and final settlement offer on my credit cards and have just received an answer. One of them deemed the offer as unacceptable whereas the other one wrote back saying that they would accept the payment of an amount that is £ 280 higher compared to my offer. I must make the payment by April 30 or their offer will become null and void. What should I do? should I make this payment although it is higher than my offer?And how should I go about regarding the other offer that has been declined?? Please help!!