Got the credit card company to slice the APR from the bullshit 29.9% down to 14.7%.
Never doubt that I am stubborn as hell.
Of course, that goes into effect *next* statement, leaving me with an unpayable minimum payment this month, but I have an e-mail in thanking them for finally goddamn reading this long mess of conflicting information, lies, and fraudulent/illegal business practices (not my actual words) and fixing the APR and asking them how I can keep from going into default and re-triggering that bullshit APR, as I cannot pay that minimum payment (which I say in no uncertain terms several times during the exchange).
But yeah, I actually outstubborned them. Sick and dealing with accident aftermath, yet. Go Team Me.