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Congrats on lowering your interest rate. I know you mentioned your profile does not support a low interest CC at the moment, however please look into a credit union no frills cc something. Preferably with no balance transfer fees. PSECU is one that I use. If I have a large unexpected emergency I use my rewards card then BT to the CC when I get the bill...they have a constant promo of 2.99 fixed until the end of the next calender year. It gives a little breathing room to be able to tackle something without being taken to the cleaners so to speak. Congrats again and well done on lowering the interest rate and thanks for posting.