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Please don't take this the wrong way, but the people ejudicating your sister's case would need to be psychic. And a REALLY good one, too.
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I realize this and don't take offence. In realizing this I was prepared to do my best demonstrate to them I wasn't just trying to pull a fast one (e.g. get letter from long-time phychiatrist stating the situation or whatever the comapny felt they needed to be confident I wasn't pulling a scam) but they weren't even interested. Next time I won't be so interested in bailing out what really amounted to the profit of the CC company. A default on any future CC account my sister may have would make no difference to her financial situation. She has no assets or cash.

Sadly such things just add to the growing sinicism of society, me included.