I understand. I just got off the phone with one of my credit card companies, I asked them to lower my interest rate or I would transfer my balance to another card. They blew me off. 27% is way to high, no person should have to live with that kind of interest, it is midevil, it is something from the twighlit zone. What can I do though? Exept apply to another card and transfer the balance. Yay capitalism!! pfft!