Credit Card Refinancing I Am Behind In My Credit Card Bills I Was Wondering If There Is Any Way To Refinance A Card?

I am behind in my credit card bills I was wondering if there is any way to refinance a card? - credit card refinancing

I wonder if there is no way I could refinance my credit card is not a house or a car provided. Am I obligated to accept a loan or funds from one account to another credit card transfer, and, if so, what credit card company would do that?