I wasn't late two months, although it would seem that way. Apparently they can raise the rate even if you've been a cardholder for years, never missed a payment, and are late by a day.
What are the implications of consolidating debt? Does it affect your credit score to move around debt like this?
I think the best advice really is to pay the debt off, but it's a difficult task! I'll read through the debt repayment posts and see if I can come up with my own plan. Thanks for all the feedback.
Debt consolidation can affect negatively sometimes. If the lender (card issuer) does not report the account as paid in full, you might have a big impact.
Have you looked at personal loans. Lending Club and Prosper are really good.
You do not get an inquiry (soft pull) for rate check and the funding is fast.
I liked Lending Club.