For the past year or two I've been trying to get citibank to reduce my interest rate. In the past they would always give me better rates but they won't budge. I thought maybe I would refinance and roll in my CC debt but the mortage guy I deal w talked me out of it. Then I thought I would apply for a credit card that I could balance transfer my credit card to. Although I have an excellent credit rating they denied it. I owe about 21K and about 7K is from recent dental work I have had. Thought maybe I would be able to borrow from our retirement account but I couldn't possibly pay it back within 2 months. I guess after 2 months you get a 10% penalty plus the tax consequences which our broker said is around 30%.
So what is one to do? Anyone have any ideas.