I have two student credit cards, both from citi one for $2000 and the other for $1200. They are both nearing their credit limits and i was late twice on payments so both of my interest rates are at 32%. ive tried to talk to citi about lowering my rate and transfering my balance but they say i cant at this time. i can keep up with the minimum payments for now but not much more and with each month my interest rates keep bringing me closer and closer to my credit limit which i do not want to go over. What do you suggest I do? Do you think i can try to go to a bank or different company and transfer my balances. i would think they could tranfer the balances to a $3000 card with a lower rate. im not a homeowner either. and not yet 21. so other loans are not an option to pay them off... HELP!!!!

,maybe consolidating,talk to a professional dept consoler and this sight might help http://www.cardratings.com/0706Anewsletter.html Good luck,the worse thing is a credit card ,use debit so you won't ever owe...3000 might sound really bad to you but if you do something now you should be dept free in a yr with no stress,credit card companies target kids over 18 the faster they can get you caught in their web the more money for them and financial disaster for you......Good luck...learn from this...i feel for you>>> but keep a chin up...Mia