Well, we went to a credit card counseling service, where they negotiate the interest rate for you. You would not believe the difference. Like 13% difference. So the counseling service takes our payment each month, pays the credit card, who makes an agreement with the bank to lower our interest rate in favor of being assured of collecting a payment from the counseling service each month. I think if I don't mind posting here the steps we are taking then I can consider it my on-line journal contribution to other boomers who may have same problems to solve. We have been married 21 years. 3 days before we got married, we sat in my living room, spread only 2 or 3 combined credit cards on the floor, check the balances which were minor, decided we did not want to acquire any more credit card debt, and cut up our cards. We did pay off those cards within 1st year of marriage. But here we are 21 years later. Hey, I guess there is a pattern of behavior that needs to be addressed as separate from dollars and cents. Make sense?