Making your financial position stable and not getting into the debt trap of the credit cards is a wise decision to make. Use your credit cards wisely and know not to stretch your limits as these will cause long standing repercussions. A good check on the reality by looking into what you owe and how much you have spent will help you set up an action plan which can work towards. The negotiating part is vital to cut down the interest rates and make it feasible for you to pay. If you are getting in too deep already, these people can help you to get relief from credit card debt.
How to get through
Taking stock of the situation is the foremost thing that a person can do. Some financial knowledge is vital, and if don’t have it better consult the experts who are there to help find solutions, but they don’t come free, but these are the rules of the game and you will have to play along. The actual amount you owe has to be noted down along with the principle and interest as well as the penalty of late payment. When you get your math right you can set about setting up meetings to negotiate wherein they can reduce the interest rates or withdraw the penalty. And also work out other issues from where you can gather up finances to pay back before they sue you in the court of law.
To get an interest rate that is in the best interest of the client is done by business’s such as debt consolidation online Canada. Seeking expert help will come handy for those who aren’t proficient in finance and negotiating. It may not be much in terms of percentage but that in money will save you hundreds and something like that is always welcome when 
you are in doldrums over credit card debt. Sometimes just a phone call or polite request of pushing down the interest rates a bit would do the trick. Trying out on your own won’t do any harm and if this falls through you could ask the experts on your behalf.
The credit score that you have will have a large role in ensuring that you get a cut or not in the interest rates issued on the pending repayments on the credit cards. If you haven’t a bad or dipped score in your credit reports over the years, they will reconsider and perhaps reconcile to be a little lenient towards you and provide for the cut that you were pleading for. Though all credit card companies may not take this approach, and you will have to figure out other ways to mollify them into setting aside the interest rate than what they have imposed on you. If you own multiple cards and many of them overdue and need repayment, call them up individually and request for a cut , there isn’t a 100% chance of all agreeing, but even if one or two do so you will be able to save some face and not receive flak. If they cut down your interest rates note them down and now check how much you are still owing them and figure how you will be able to adjust the new rates.