Hopefully I've convinced you it's time to get rid of those credit card balances. You'll want to review the information in the preceding chapter to make sure you're coordinating your debt repayment plan with other important goals, like your retirement and increasing your financial flexibility.
Your next step should be figuring out if you can minimize your interest rates.
If you have good credit, this might be as simple as calling the credit card issuers to ask for a better rate. You might let them know you've been receiving some mighty tempting balance-transfer offers lately, which is often all the incentive they need to cut you a deal.
If they balk, you actually might use one of those offers to lower ...