They each explained they are unable to alter the APR, etc as the accounts are closed. I still make payments on time and pay more than the minimums but I am not getting anywhere. Any suggestions, other than more loans, bankruptcy or a third party handling my finances? Will they reopen the accounts?Don't tell them that you want to reopen just to try to get the rates changed.If they will reopen, wait a brief time before trying to call and get the rates reduced. Then keep the accounts open (don't use them).Robb
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