As of the first of the month I will be on a debt management plan. I am using a company that basically negotiates an APR with the credit card company on your behalf and send the payment to them (via auto draft from my checking). This will cost me 50 bucks a month (or 2,700 for the life of the program IF I don't pay it off quicker).
This reduced the APRs for all 4 cards by about 3/4 (except BOA which SUCKS BALLS).
It's a 54 month plan. The cards will be paid off in 4.5 years (or faster if send additional payments).
It will not affect my credit rating (well only a small amount).
So all fur credit cards are going to loose a ton of money because of what THEY did.