an encrypted credit card is like a super secure credit card. encryption controls where the credit card number can be released, and so on. it just hides the number from the main database until the public key is found.
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This means that the card's information is encoded.
it means you failed
It means the information is encoded somehow, so if someone unauthorised were to see the data, they wouldn't be able to understand it. Only the authorised systems can decode that data.
It means a credit card company wants to put you into debt by giving you a credit card you can use.
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.