What Else?

Trying to get the credit card companies to lower your rate and/or payment is sometimes difficult and not always possible but it is worth the effort to find out. They may not give you the information you want. Just know this. Every credit card company has a selection of programs to help their customers get the debt paid. They are just reluctant to share. They would rather have all of their interest and other charges you are paying because you are in default with them.

Credit card debt is crippling and depressing. No one wants it and the sooner you get out from under it the better your personal finances will be.