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I want to settle visa credit card account?

Visa Credit Card
I’ve got $4000 in visa credit card debt. It’s not past due and I’m no risk. I want to know if I can settle this account, and possibly for how much. I don’t want to go delinquent to settle this. What effect will this have on my credit report, this is very important. I have heard of people settling for 50%, but they were all past due. I’m going to call visa about this but I would like to know a little bit about how settling works. (a number to visa would be nice).