How Can I Pay Off High Interest Credit Cards If I Don't have The Money?

Call the credit card company and renegotiate your interest rate. Many credit card companies would rather lower their interest rates or cut out annual fees or late charges than lose you as a customer. If you are paying high interest rates for credit cards, call each credit card company and threaten to switch to a competitor with a lower interest rate.If they won't lower your interest rate, make the change to another card, but watch out for balance transfer fees. Also, if the higher interest rate is bringing you to the brink, the credit card company may be more willing to negotiate with you if they think you are going to file for bankruptcy.