No. of Recommendations: 2
There is something you aren't letting us know.

The rates on Chase and MBNA tell me that you've been late on paying something at least once or have gone overlimit. Those are penalty rates. Very likely you will not be able to find an optimal BT card from anyone for at least 6 months.

First things first. Remove the cards from your wallets and step back. No budget in the world will help you at those rates if you keep charging. Freeze those cards right now. Focus on making consistent payments for at least 6 months from the time of your last missed payment. If you are over or approaching limit on any of those cards call the company and ask what you would need to pay to get them down to below your limit. Suck it up and pay it.

If you've made consistent payments for at least 6 months and haven't incurred any fees or charges and they still are not willing to lower the rates then it is because you are too close to limit and have only been paying minimums. MBNA and Chase are both known for raising rates due to the way you pay your bills.

Call them back right now and find out why you are not eligible for a rate reduction at this time. What are they basing it on? You will need to overcome that before you can even think of asking them for a rate decrease again.

If you've been good for at least the last 6 months and you have a good FICO you might be able to cajole another company into giving you a card with a good BT rate. If you do, DON'T use that card to charge anything. Use it for the BT and then freeze it. Did I mention that you need to stop using your CCs yet?

Go back over your budget. You need to find a way to eliminate at least 10% of your debt in the next 6 months. There is something that is making you look like a hugh risk to the companies. Either you are a late payer, overlimit, or overextended. Fix it, then be nice but firm when you call up and ask for a reduction. Even MBNA and Chase will lower rates once you show that you have lowered your risk.
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