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Question By
rockandahardplace

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700+ score credit cards in 24% range. they will not negotiate.dont want to cancell cards any ideas

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Top Contributor
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If you mean that the interest rate on your cards is 24% (YIKES!!), the best thing to do right now is work on getting the balances paid off as soon as possible and pay them in full every month.  Now might be a good time to try for a balance transfer card at 0% for no less than 12 months, which will give you time to get the balances paid off without the wasted money that would go to interest.  Worked for me, though I had to play the 'balance transfer' trick twice.

Top Contributor
1009 Contributions
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Since you mentioned you don't want to close it, so I assumes it has no balance, then either don't use it, or use it but pay in full every cycle, no interest rate to worried about. If it has balance and you can't pay it? Then it's different story as your screen name might suggested.

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