@MarineVietVet wrote:
@Anonymous wrote:It is a good idea, thanks, but where do you look for a personal loan? I bank with Bank of America and I'm sure I would be denied due to poor credit.
Do you have any suggestions who I could try? A bank? Thank you
IMO you might not need to apply for another card or a personal loan. Did this account go 60 days late? If so your APR will return to it's original amount after you make 6 months of on time payments.
It seems to me that is the way to go. Just my 2 cents.
+1
I know it's painful, but it's only 6 months. With brand new lates, you're not going to get a decent deal on a loan, or on a BT card for that matter.
Hit the budget, increase your payments, don't take on any new charges, and gut it out. I'm afraid that they've got you for now. 