You usually can call the companies you do have high interest rates with and renegotiate the interest rate. Tell them you might have to go with a credit consiolidation company, and they will usually jump through hoops to lower your rate, so they don't lose all the interest. Burn the cards so you can't glew them back together, and their is life after credit cards. It's not easy, but it's do able. You just have to question every purchase you want to make, and make sure you absolutely need the item. If not you don't buy it. This is weird, but if I have an absolute need to shop for things I don't need I'll shop, put them in the basket then walk away. It gives you enough of a fix. Atleast it does for me.
__________________  Susan, Piper ,Harley & Suiki |