A few years back I have been drowned by too much debt. In no time, my credit card balance reached its limits. Honestly I have been negligent in using my cards since I am confident that I will only pay small amount every month. Not knowing that I am moving backwards because the interest that I am paying soars higher than the principal amount. I thought of doing balance transfers since it lowers the interest rates. I can also pay aggressively with their fixed monthly dues. The bad news, I was declined when I applied it. Sorry me! All I can do now is to pay my debts aggressively.