Because you're dealing with department store credit, your biggest problem is likely the excessive interest charges on the balances you've accrued. Charging rates as high as 30%, store credit cards can be a consumers worst nightmare.
Assuming you've ruled out debt settlement as an option because of the credit concerns, the only real remedy is to get your debt carried at lower interest rates. Fortunately, it sounds as if you have kept up to date with your payments and have maintained good credit, so there are a few ways to go about it.
If your creditors aren't co-operating, don't be afraid to mention you're in the process of paying off your credit cards debts and are getting rid of the worst-interest offenders first; they'd rather have you paying some interest than none.
Getting your interest rates reduced by even a few percentage points annually can save you a lot of money, allowing you to use the savings to pay down your balances and lower your credit card debt faster.
Having a hard time keeping up with high interest credit card bills or other debts?
Use the following form to provide some information on your finances to find out how much you could be saving on your bills with debt management solutions.