Another trick to lower credit card payments… If your credit cards have high interest rates call the credit card company and ask if they will lower the interest rates. Just a few points can save$$$. Advise your card company that you have had other card offers which will let you switch your current card balances over on lower interest rates. You credit card company does not want to loose your business so they will usually agree to lower the rate, if it is considered “higher than normal.”
If they refuse to lower the interest rates you may want to seriously consider switching cards to one which will let you transfer your balancew/alower interest rate, depending on your credit situation. www.clarkhoward.com has good info on this type of stuff.
Remember that there are a few tricks which will help lower the credit card payments, but the key is to control spending.
thanks for all of the advice. i must share that i do have relatively low interest rates on all of my credit cards due to VERY good credit and having previously called to lower interest rates, so that is done. None of my credit cards have more than a 9% interest rate so I’m in pretty good shape there. it’s just paying down the debt at this point and sticking to my budget.