I totally forgot to say this. If you call all the card companies within 30 days from them raising your interest rate, you may opt out. That means you can’t use the cards anymore. But they can not raise your rate beyond their lowest interest rate that isn’t 0%. Whatever their regular rate is, prime + 1 or 2% for most companies. That means your cards would end up around 9% instead of 29%! You won’t be able to use them though and you must pay them on time the whole time you pay them off at that rate. But it’s better than 29% which is the legal high limit for most states.