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Contact Plan Administrator(where account is held) for forms.
You can go to a local bank and they could offer you a credit card plan especially tailored for the need of students like you. If you already have a bank account, they can tie in your account with a credit card plan and this would be the best move so you can easily pay your credit card bills.
No.
Yes, your wife can use your FSA card for eligible medical expenses if she is listed as a dependent on your health insurance plan.
Credit card negotiation is when you contact the bank and negotiate your credit card debt. This can mean negotiating a payment plan or just trying to get the overall debt reduced.