I HAVE BEEN RECENTLY LAYED OFF FROM MY JOB. I AM TRYING NEGOTIATE MY RATES DOWN ON MY CREDIT CARDS.I HAVE ALWAYS PAYED THIS CARD ON TIME, NOT ALWAYS IN FULL.THAT DON'T SEEM TO CARE AT ALL.MY RATE IS UP TO 34% THAT IS UNHEARD OF.JUST NEED SOME HELP DURING THESE TOUGH TIMES.THEY OFFER 0% TO NEW CUSTOMERS FOR 6 MONTHS, BUT ARE NOT ABLE TO HELP ME. THANK DAVID WALKER read full review »