If you still have one credit card your trying to get rid of, maybe transfer it to one of those card companys that gives you zero percent interest until like August of 2006 or something, then they usually give you a higher set interest rate after that. You just either make sure it's payed off by then or transfer it to another zero percent interest card before the first one switches over. I get those things in the mail all the time. Just make sure you read the fine print, so they don't sneak something by you.