Could anyone advice me how to avoid paying high interest rates for my credit cards. I've got two credit cards from Llyods TSB and HSBC and I have exceeded my credit limits.
Thank you.

pay them, no apply for another one at eitherone of your banks, and try to combine your previous ones with it, i did it with mynatwest one

Call the particular Store and request lowering your interest rate. Also,if you can get a hold of a balance transfer credit card (new acct. only),with a low interest rate,do this accordingly to your credit rating availability.

Find a 0% transfer card and shift it all over to that!

transfer them to a 0% interest rate one - and then when that period is up transfer them again.