Is this a card that is currently in default? Are you being contacted by a debt collector about it? If so, we have a dispute tool for that situation here: Dispute Any Debt in Collections — The Debt Collective
I would start by disputing the whole amount. If they cannot substantiate the debt, you don’t owe them anything. But even if that full dispute doesn’t work, you can always negotiate, and you can drive a hard bargain. Instead of just asking to have the fees waived, you could try to negotiate a settlement where the principle itself is reduced. Get that new amount to be paid back sent to you in writing and don’t make any payments until you have it in writing.
You should also be aware of the statute of limitations. This is the window of time that a credit card company has to take you to court. It is different in each state but six years is common. If you haven’t paid anything on this card in over four years, for example, then they might only have two years yet to enforce this debt. BUT if you make a new payment on this credit card, the clock starts over and they have the full statute of limitations to pursue the debt on.
If you are current on this debt and making payments, that is a different situation. You can always call the credit card company and ask them to waive a fee (or a lot of fees) as a courtesy. I can’t guarantee you what they would do.
You might find the chapter on credit card debt useful from the Debt Resisters’ Operations Manual here: strikedebt.org/drom