- I have never transferred balances before for any cards.
- The two cards issued through Chase have been put on a hardship program at 12%. The Citi card I have had for 15 years, holds half my debt, close to the limit and has shot up to 29% APR.
or should I call Citi and try to negotiate a lower APR with out having my card closed and put into another hardship program?
Or should I find a an honest well established credit counselor to try to consolidate the three credit cards and pay down. Would this be even possible with the Chase cards since they are already in a hardship program?