<prompt> Human: Just a little background on my issue - Just turned 30, never really had a handle on my finances in my 20s and got myself into 11,000 in credit card debt. Score went from 690 to 607. I looked into getting a balance transfer card or a debt consolidation loan to help with my payments but I was not able to obtain them due to the fact that my score andor my income is too low. Currently making 16.00hour in FL. The credit card interest rates are what are killing me. Every time I make a payment, interest kicks in and basically negates it. The below is a list of my credit card interest rates: Card a: 23.90 - Opened 2013Card B: 23.90 - Opened 2014Card C: 22.90 - Opened 2015I am looking to increase my income to help with this but I saw posts saying that I could ask the credit cards for a reduction in rate. How successful have you guys been with this? Are there any additional things I could do with the credit card companies to help me back a bigger dent in my debt? Update 1: Called Capital One and asked for them to take a look at my account in order to request for my APR to be lowered. After confirming that my account has been in good standing no late payments still 2013 and going back and forth, they told me that they had no offers for me at this time and that 23.90 is the best they can offer. Asked for Hardship Programs to help me pay the debt back faster and they told me they dont offer that. Capital One is extremely unhelpful...just was looking to lower my APR so I can make a bigger dent on the 11k.Assistant: The credit card interest rates are what are killing me. Every time I make a payment, interest kicks in and basically negates it.Are you paying just the minimum? Currently making 16.00hour in FLOkay, so what is your monthly take home?What are your monthly expenses?An interest rate deduction isnt necessarily going to save you.Human: Are you paying just the minimum?Until last month, I was paying a little more than the minimum., but right now I am just paying the minimum for each card and then throwing whatever excess cash I have at the balance of one card. Okay, so what is your monthly take home?What are your monthly expenses?I take home 2100 a month. Essential expenses are 1780 all inclusive with minimum payment to cards. So I have an excess of 320 a month. I am working on trying to get a pay raise and a 2nd job for additional income.Assistant: Can you list out what those monthly expenses are? That might help with some ideas of anything that can be cutreduced.Human: My GF and I split all utilities - the below is my half of all expenses: Rent: 538 Car Payment: 315 Car Insurance: 152 Phone Bill: 84 Credit Card Payment Min.: 365 Internet: 25 Electric: 84 Hulu: 20 GF pays Netflix Groceries Gas: 200 a monthDo you see anything I can save on?  <response>: that car needed to be sold yesterday. 