Work at lowering your Visa balance and try to resist the urge to go rate-shopping for credit cards. I look at interest rates this way: It's good to have a low rate, but if you have a high rate and quickly pay down the balance on the card, the pain the high-rate card causes you is negligible. Betcha you'll be sitting pretty in 6 months to a year. You've accumulated a lot of credit for somebody who is 20. Pay it back quickly and responsibly and you'll be able to write your own ticket. Much good luck.