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Well, I just got off the phone with Citibank and they agreed to lower the PR to 11.12% on both the ATT and Citi cards. I could'nt believe it, I thought they would just laugh at me. That means I have a 450 dollar payment to each of them by Aug 1, then the regular payments after that.

I don't see how I can do much of playing companies against each other since I have high rates with almost all of them. The only one that is below 15% is providian which is auto withdrawal from the bank each month.

I do feel a little better with the citibank situation. It looks like most of next paycheck will fund citibank since all of my gas cards are owned by them also :-(

This whole situation makes me physically ill. I don't know how I did the 'ostrich' thing so long. :-(

feeling very glum and failure like
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