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The interest rates on each card was over 21% and my credit limits were maxed out. My payments were always made on time and consistently paid more than the minimums. I asked each bank to lower my APR and both refused.

If the bank won't budge on the rates, then you should look elsewhere for a balance transfer. Even if you don't get a loan large enough to clear out the debt, if the effective APR is lower you're doing a positive thing towards getting out of debt.

With 21% rates, finding a lower APR shouldn't be difficult. Check out other posts on the fool or the following web sites:

You can get a preliminary answer very quickly with a long-term APR as low as 9.9%; check out the major banks : , , , , and

- Lan
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