Bo,

We have several credit cards that are charging a very high interest rate. We had some financial difficulties and were late on some of them. We refinanced and paid off 3 of them but have some we are working on to get paid down. I have called some of them but they say they will not lower the interest rate until we have 6 months of on time payments. We are trying really hard to make payments to get the balance down but the interest is so high it is hard to get the balance down. How can we get them to lower the interest rate by even just 5%.
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The only thing you can do is swap cards.
I know I've done the same things. They never lower interest. They only raise it.
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