i had a CIMB card 4 years ago, and i maxed out both cards totalling RM12K, now after 4 years i get a call saying that now i have to pay 22K which is inclusive on interest.

I want to pay this off slowly, they told me if if i pay the first RM300 for the first month they will get rid of all the interest and i can then start slowly paying it back monthly.

Should i believe them? This was the convo on the phone?