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I am looking for a way to reduce my interest rates on my credit cards so that I may pay the 16000 dollar debt off in a reasonable amount of time. I want to pay it but the high interests rates are not allowing me to do so. I have a great credit score and want to keep it that way. Thanks in advance for your help.
THe most logical way to do that would be to explore a fixed rate unsecured debt consolidation loan through LendingClub.com. It is a person-to-person lending network so the rates are usually lower than banks charge.
The loan will be reported to the credit bureaus so it will help to keep up your credit.