Hi Tristan,I recently joined a credit counseling agency as well. I had a MBNA for a Gateway computer as well. They got my interest rate from 26.9 to 19.9 - it's not huge drop, but any amount helps. They also lowered by payments from 63 to 48, but I'm going to keep paying as much extra money as possible. So, MBNA will lower the rates - if your credit counseling company can't do it, try calling MBNA yourself.And, hang in there.JLizNY
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