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I would start by calling the companies and getting them to waive the yearly charge if they won't cut the interest rate. Mastercharge dropped mine to % 12.5 (Was %19.5) when I asked the phone drone if she could spell "Citybank"? Went to talk to her supervisor, I got my rate and no yearly fee!
Next, I would look for cards to transfer the balance to the are low interest no fee. You can keep rolling balances along forever! Set a payment amount for yourself that you can live with and cut up the card any pay it off. Give them your tax refund if you have to.
Cut up all cards as you pay them off.
When you are cleaned up, get either a Mastercharge or a Visa. You only need one credit card now a days. If someone won't take it, go somewhere else. But only have ONE card, that way (if you are married) both of you are looking at the same bill.
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