You must also try to ensure better terms for you through negotiation. This should not prove too difficult a job for you. Simply call your credit card company and ask them to reduce rates. Many credit card companies have authorized customer service people who are within their rights to instantly decide on your requests.
Apart from all these options mentioned above, you can also ask for assistance from an organization like National Foundation for Credit Counseling. This organization has branches spread all across the country. NFCC offers free debt management advice to anyone who wants it.
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