Carl's got a good point. Feels like it may be time to shop around.
A couple of options come to mind:
1. You can move your bank accounts elsewhere
2. You can leave your accounts where they are and apply for a personal loan elsewhere (lots of good, reputable, companies have emerged in the last decade, allowing folks not to resort to leg breaker rates)
3. You could explore transferring your balances to a 0% balance card, BUT only if you're serious about aggressively paying down the debt in the first 12 months (while 0% lasts)
4. You could try snowball or avalanche as a debt repayment method, which would be the organic way of doing it (but would leave you with your current interest rates)
Any of those sound reasonable?
