I want to pay off my credit cards but i dont want to refinance my house to do so. Is their any way that i can work with the credit card company to work something out?|||You should focus on repaying your cards through aggressive overpayments. Start exceeding the minimum payment substantially on one card. After making at least 3 consecutive monthly overpayments, contact the card issuer and request a lower interest rate.
A lower rate will allow for you to repay the debt even faster, without refinancing.|||Cash will work.|||you can apply for this credit card, http://www.idbaru.com/creditcard . its made for people like you who have no credit history or bad credit. i wouldn't be able to tell you the kind of limit you would be able to get but its guaranteed to be at least 1500 i think. i was able to get a 2500 dollar credit line myself with my horrrrrible credit.
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