Credit Companies

if you have a good credit score, try this: Hi, my name is [Your Name]. I am a good customer, but I have received several offers in the mail from other credit card companies with lower APRs. I want a lower rate on my card, or I will cancel my card and switch companies." from http://www.bankrate.com/brm/news/cc/20020415a.asp And that's it. Even folks who dread confrontations ought to be able to handle that. You only need to be assertive for a matter of seconds. "Additionally, a lot of people would ask for a 10-point reduction," Dakake says. "A lot of people aren't going to get that, but I think it's important to shoot high."

i wouldnt freeze them since im not sure if that would hurt your credit score or not but i have in the past called up and had my apr lowered.. but whatever you do do not close the account owing money (as in closing it but pay on it still) it will show up on your credit bad and drop your credit score

sorry ,i have not met the situation that you have done ,but i can give you some advices from my experience. i ofen go shopping with my criedit,but at the first ,before i gooing out the house ,,i must plan what should i buy ?how much i will spend ,may i pay back with my income ,then i will give out a list ,hol this list ,i will go out for what i want hehe,each moth,i can do well with my debt,wishing you a wonderful shopping ,my friend