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I currently have about $7,000 total between 4 credit cards. I am $100 -200 over the limit on each card, not because I am still charging, only because of interest, late fees and overlimit fees have been racking the balance up because I can't pay more than the minimums. I have had trouble paying enough to keep them know many of these fees would stop if I could get them back below the limits, but this would require about $1000, which I don't have saved.

My credit report is decent...only 1 time 30 days past due in 4 years since I got my first card. I also have a car loan that is always paid on time, and several accounts that say "balance paid to zero". But the thing that is making my report look bad to lenders is that my balances are over the limits. I think this involves a number or percentage of revolving credit or something, where if it is too high or low, you won't be approved.

What I want to do is find a company that will give me a new card with a lower interest rate so that I can consolidate all four cards and close those accounts, which means I will not be making any new charges and will be tryiing to aggressively pay down the balance. But because of my report, I cannot get approved for the card that I need.

Are there any companies that will consider issuing me a card to transfer these balances? And if they refuse, is there a way I can sweet talk or convince them that I will be able pay? If not, does any one know of anything else I could do? I have thought about cccs and the like, but would like to handle it on my own if I can.

Thanks in advance to anyone that can help!

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