Credit Card Hardship Programs

I have been working with the hardship programs with Discover Citi Bank and Capital One. They all have set me up with affordable payments and discover Card and one of my two Capital One accounts are current now. CitiBank was hard and insisted the back money be paid so i set up 5 $195 payment to bring me current and for my other capital on I am paying $50 above the min payment to catch up with the $650 i am behind. My question is how are the people getting 0% and additional fees Whenever I bring lowering the rate they all tell me thats not possible. Also what else should I be asking these companies to help me?

Thanks,
Kate