Ok so, I’ve totally blown it. I purchased a laptop with Best Buy and the deferment kicked in as I didn’t pay off the laptop and man that interest is killer! Anyways, I’m trying to “snowball” my credit cards and this Best Buy one is the heftiest. This is my own doing I understand that. I’ve been paying the minimum and I’m trying to use all my accelerator money into the lower credit cards so I can then focus on this one at the end.

Question: Have you ever called a credit card company with some success of lowering your debt or stopping the interest build up?