I'm not entirely sure what it means not to "have the resources available for a balance transfer," but have you considered other sources of refinancing besides credit cards? If you're in good with the bank where you keep your checking account, they might give you a signature loan.And there's always Consumer Credit Counseling Services if you need it. First, though, I'd keep trying to negotiate with Fleet or transfer your balance somewhere, anywhere else. It doesn't have to be a credit card. And of course, don't take on any more debt.Dave
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