I've got a Platinum Mastercard that's been maxed for the better part of a year. I'd like to get out of it if possible. A friend recommended closing the account and negotiating the interest rate down to something a bit easier to keep up with. Does anyone have experience in doing this or able to offer suggestions. [note: due to divorce primarily, my credit rating is not good right now and refinancing via consolidation loan or the like is really not an option]. Thanks.
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