Done so far:
- I’ve frozen (stopped using) all cards with balances on them.
- All cards with balances get paid more than minimum balances every month:
AMEX Blue – $7000 balance @ 8.99 % Variable.
Bank of America – $2750 balance@ 9.9% Fixed.
- Cards with zero-balances get paid-in-full EVERY MONTH if used.
- Call and ask for interest rate reductions for all cards.