No. of Recommendations: 4
Good deal

Another suggestion for a different day - give a call to each of the credit card companies, asking to see if they have a lower rate. They may offer a balance transfer - I wouldn't bite on any of those yet - you are just checking to see what they can do to lower your rate now. And if they can't do anything, suggest you are going to be looking to move their balance to a lower rate card. Be polite, the customer service rep is just doing their job, and whatever they can see on the screen is what they can do. This first time might be a bust. But as you pay down your debts, your credit utilization will improve, and your credit score will get better. So if you get no luck this go around, give it another try in about 6 weeks. Wash, rinse, repeat. You probably won't have luck on the 13% rate cards, but might on the 17+% cards.

If you are able to make steady progress on the cards over 3 to 4 months (in terms of net pay down, and maybe getting an interest rate dropped), then I'd try to find a balance transfer offer on attractive terms.

A note about the cards - Dave Ramsey hates them - many of the folks here use them for some flexibility, but we strive to get them paid off that month or very quickly. Canceling a card after you have paid it off will increase the percent of available credit used, and will negatively impact your credit score. Keeping it open, but not used likely gets you the best score. By all means get most of the cards frozen in ice or otherwise unavailable, but save the scissors until after your have 3/4 of this debt paid off and have built up a more substantial emergency fund.
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