Best way to reduce credit card payments/debt?

You could open up other credit cards with a lower interest rate, pay down part of your current CC bill with the lower interest rate card, then put your cash towards the CC with the highest rate.

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I have around $11,000 on a Chase credit card. It is almost all from a cash advance I used to buy a car. Interest Rate is 19%.

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what int he world would cause you to do something stupid like that?

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I have around $11,000 on a Chase credit card. It is almost all from a cash advance I used to buy a car. Interest Rate is 19%. What, if any, is the best way to go about reducing my interest rate?

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If nothing else, transfer the balance to a 0% interest card and pay down as much as you can before the promo period runs out. Then, if need be, do it again. Even if you have to do it twice, the amount paid will only be 4-5% of the balance transfer, which will hopefully be lower if you have to do it a second time.

Or, refi the car for the amount that it's worth (not sure if you can do a cash out refi on a car), and pay off the CC with that.

I could understand if you were in a serious bind and bought a 2-3k car because that was your only option. but 11k? dude, why didnt you just get a lexus?