Walk Away from a High APR
Credit card companies are businesses and there are many to choose from. You don’t have to deal with service or rates you don’t like. If you are not satisfied with one company, find another. If you consider cards with 0% balance transfer opportunities, make sure you pay down your balance during the introductory offer.
Finding another credit card company can be difficult, but it doesn’t have to be. Start out by talking to your friends and family about cards that have worked out well for them. You can also investigate online and find different credit card comparison sites that help you discover cards that may be a better fit for you.