02-12-2009 10:53 PM
02-13-2009 12:19 PM - edited 02-13-2009 12:22 PM
HI Ash and welcome to the forums
I am very sorry for your previous health conditions and struggles.
I think you should definitely read this thread and you may find it very useful for your situation.
Unfortunately many credit card companies are either increasing your apr or reducing credit limits. They are also closing credit cards. Because you have many credit cards near the limit, your util% is very high and therefore bring your score down considerably.
If your goal is to save money then I would advise you to opt out of the increase to your apr's and continue to pay the original APRs. It is not like you will be losing credit because they are near the limit anyway and you will be paying off the interest and not the balance.
If you are too over your head with bills then definitely read the thread I placed at the top and maybe some of those solutions maybe able to help you.
Take a deep breath and pace yourself.
Don't worry, just like you came through a difficult time with your health, this too shall pass and you will conquer.
Hope this helps