[niki_the_tiger]

We called all the credit card companies and asked them to lower the rates. One gave us a special rate for 3 months of 3.9% then up to 10.99% (still lower than the 12.99% that we have now on it) but would not go any lower. This is the one we want to keep for sure though, it has the biggest balance and my hubby has had it for the most years.

The other said sorry, can't do anything unless you transfer your balance to another card, then we will send you a new offer. They are at 15.99% (too bad, I enjoyed using that card becuz we got free points towards Amazon books, and both of us buy books from Amazon all the time... we had 0% for 6 months, but that just ran out) <--- we might cancel this one, we've only had it 7 months, would it be ok to cancel it? This one has the second highest balance but also the highest interest of all our credit cards (other than store cards).

We're good at not using credit cards when we're determined not to. Or we leave them at home if we're scared we might use them.

None of our cards have yearly fees.

Our credit is good, not great. It was really good but then we put too much on credit card (between stuff on the house breaking down and my hubby starting his own business) so it went down, but now it's on it's way up. We're at about 650.

Oh we also have a Sears card (we were going to buy a washing machine and stove when ours broke down and wanted to get the 0% financing, but then someone gave us one of each) and an Old Navy card. Both are at $0.00 and we don't even have them in our wallet... is it okay to keep those (we get special offers by having them) or should we cancel them?

Thanks for the advice! Any help is muchly appreciated!

-Niki