text: Don't go there.  Call your credit card company and negotiate the interest rate.  They will usually work with you and drop it way down as low as 6 percent if you are tough about it.  Then pay off as soon as possible.  Other wise you got a snow ball that will roll up bigger and bigger.  Just use the rule of 72, what you do is divide the interest rate by 72.  If it is 12 percent then 72/12 equals 6 and your debt doubles in six years.  That means you got to get the interest rate down and pay it off with a dead line.  Good luck!