Getting Interest down

[cindyda1]

I am in a situation where I have about $41,000 cc debt...I am paying from 28-31.1% interest on some of my cards..I have been hanging on with the pmts. and am currently not late, but it is all I can do to keep my minimum pmts. made along with all my other bills, so of course the ballance isn't dropping..I am wandering how hard it is to negotiate the interest rates only, and what are the risks of contacting the co's. to inquire about this..how to approach them about this etc.? It may be that I can't continue to hang on doing this, but want to avoid a drop in my credit rating if possible and try to. I am teetering on falling into the point of getting behind..I am really afraid to contact the cc co's..to ask about intereste reduction. My cards are with washington mutual Visa and MC..combined $22,000 plus..household bank-MC-$1,900, juniper (apple)Visa-$2,685, Vystar credit union visa-$9,661, sams club discover-$5,289..biggest concern and highest interest is with WAMU...sorry so long..Oh yeah, I live in Florida if that matters.