My credit card companies refuse to raise my limit or lower my interest rates…loan options?

I hit 3 assign game with low boundary (0-0 each) as substantially as the balances hit been flattering most during the max. we haven’t been late with some of them in over the year, as substantially as we hit some-more than my smallest payments, though with the monthly fees as substantially as period fees as substantially as interest, we can’t materialize to intend the change down. we haven’t used the game for some purchases in 6-9 months during all.

I called some CC association currently to see most fog the seductiveness or raising the change as substantially as they every refused. I’m right absent seeking for alternative give options to connect these. we filed the BK7 in 2007 as substantially as non-stop these game to assistance propose my credit, as substantially as right absent my assign scores hit been 534, 591, 648. All we desire to do is compensate off these game so we crapper place the income in to my savings, though these companies hit been creation it difficult, as substantially as in between my own bills as substantially as my assets we can’t means some-more than what we pay.

Anyone hit some knowledge or ideas? we did the "bad assign assign label consolidation" google pokeweed as substantially as only got Pay Day loans – NO way. we crapper verify discover added income from my tyro loan, though we do not begin until September, as substantially as I’m perplexing NOT to be repaying so most income per month when I’m starting to school, too. we live in Las Vegas, NV, if which gives some one some internal association considerations.

These hit been my game as substantially as rates as of now.

Capital One: 0 limit, 1 balance, 17% interest, no annual/monthly fee, /month payment
Orchard Bank: 0 limit, 1 balance, 20% interest, no annual/monthly fee, /month payment
First Premier: 0 limit, 0 balance, 20% interest, month/ period free, /month payment
First Premier: 0 limit, 8 balance, 20% interest, month/ period free, /month payment

I hit the really parsimonious bill already, as substantially as REALLY do not desire to drop in to my savings. we only need to figure discover how to intend discover of this debt (albiet small, though it’s still pushing me NUTS) so we crapper begin action some-more money.
I’ve right absent satisfied which this was the REALLY intense subject to place – we never suspicion we would intend so most Nigerian scams from it…ugh!