No. of Recommendations: 5
she's doing the right things. Other than going over her budget to see if there are any areas she can cut to get more to throw at the card to get it under-limit, I can't think of anything.

It's just going to take time at this point. Getting that last card under-limit will help give her breathing room. But, she's going to have to pay the full mins on time for several months (6 or more) before she can get the interest rate lowered.

If all the cards are with the same bank, it's going to be harder to get one card to cut rates, since they'll look at the recent history with all three.

Hum, don't usually recommend this, but can she borrow enough from someone to get her underlimit? Then set up a payment plan with that person?

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