Settlement arrangement for credit card

I have been calling Absa consistently to make an arrangement to settle my credit card on a fixed monthly instalment. I have requested for arrangements department to take my credit account balance and give me a settlement instalment option of 12,24 or 36 months. I have not used my absa credit card for almost 2 year (if not more) and I haven't owned a physical card for over 2 years and I am making it clear that I have no intention of using it again. Absa charges 3% on interest in my knowledge I am simply requesting for Absa to determine their own interest (of their choice) in 3 monthly settlement options I asked and than cancel out any credit card related fees like the garage fees of R 29, card fees of R 15 and insurance R 39.65 that I pay for every month when the card hasn't been in use for almost two years. <br> <br> Example: IF Absa says we will charge you prime rate (which is more than what they charge on credit card) on what I owe them for 24 months than I want to pay that figure on a stop-order until the account is settled and be free from ABSA debts.<br> <br> Can I get a knowledgeable person who understands profits and loss for the bank to assist me not a call centre agent (no offense)