Today, Chase called. Rather, my very own account manager called wanting to help me. (I may be dumb, but I am not THAT dumb.) I gave my standard sob story and reassured her that I want to pay them, I just can't pay them that enormous amount every month. She says she wants to see if she can get us into a balance liquidation program. I tell her Chase denied me that very thing not too long ago. She asks a few questions and realizes that the third card is a Disney card. And even though it's a Chase, it is its own creature and she can't even see it on her computer. She suggests that if she can qualify us on the other two, that would give me bargaining material for that card. Well, OK.
We spent awhile going over numbers, with me feeding her our income/debt monthlies. She pretty quickly saw the problem and just as quickly said she could certainly fix us up.
The bottom line is that two cards now have an interest rate of 2%, a fixed monthly payment, and will be paid off in five years.
I've learned that it's true. You have to be behind on the payments before they're concerned about you. Well, if that's what it takes ...
I'm slowly making my way down the list. Maybe there will be an end in sight, after all. Five years isn't that far away, right? Meantime, I have a name, a phone number and an extension for my account manager, Jackie. I'm going to call it a success.