Lifehacker, the productivity blog has a TON of good tips on how to do this:

http://lifehacker.com/search/Credit%20Card%20Rates/

Make sure that you browse through the comments in the posts because there are some great tips including:

- If you have a good credit / fico score or even just pay on time , call and ask.
- Call your credit card company and tell them you're going to leave
- Don't use a card with any "points" or "cashback". If you have one of these, transfer your balance to another card and ask to have the interest rate dropped.

The Consumerist also has a couple of useful posts on this:

A script to use when talking to your credit card company:
http://consumerist.com/367126/sample-script-to-get-your-credit-card-rate-lowered

And a "Big List of 0% APR Credit Cards":
http://consumerist.com/283689/a-big-list-of-0-apr-credit-cards

Best of luck beating the debt.  Keep your head up and you'll win
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Call your credit card companies and tell them that you've received some better offers in the mail, and if they can't match or beat the offers, then you will be closing your account and moving your balance to another card.

This typically works because credit card companies are always competing with each other for customers. 

Source(s):
http://www.cbsnews.com/stories/2007/02/20/earlyshow/contributors/daveramsey...

http://www.washingtonpost.com/wp-dyn/content/article/2008/05/09/AR200805090...

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If you haven't already: stop using the card for spending purposes completely. Cut it in half and throw it away, there's no reason to keep using it as you're just adding to your debt.

Secondly, call up the company and try to consolidate for as low as possible, and start up a payment plan. Be prepared to face the worst, as it will take lots of calls and LOTS of negotiating. Thoroughly explain your situation and earnestly express that you want to start making monthly payments. Even if your can only give a little each month, regular payments are a sign of good faith which will help bring your credit score back up a bit, as well as convince the lenders that you actually intend to pay your debts - making them more likely to work with your instead of against you.

My mantra is that if you can't pay the balance in full each and every month, then you should not have a credit card.  So in this situation, I would strongly advise that you don't use one for a while
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Here are six easy steps that can help you a lot. I got it from http://seekingalpha.com/article/5609-tip-for-lowering-your-credit-card-interest-rate
1) Note what interest rate you are paying on your current card's balance. 
2) Do a little research and find another card that offers 0% balance transfers and no annual fee. Then find out what the interest rate will become after the initial (oftentimes, 6-month) period. 
3) Mentally prepare yourself for transfering to the new card. 
4) Call your current card's customer service department and inform them that you're planning to cancel the card because their interest rate is too high. You'll probably be transferred at that point to an agent whose whole job it is to convince you otherwise. 
5) While talking with this agent, be firm -- tell the agent you're planning to leave, but would consider staying if s/he offers you a drop in the interest rate tounder the other card's rate. Don't tell them what card it is -- they're armed with reasons why that's a bad card for you, and that's not the conversation you want to have with them . Stay focused on the issue of lowering your current rate. 
6) If the agent goes for it, great. If not, great too -- move to the other card. The first one doesn't apparently value your business.

Source(s):
http://seekingalpha.com/article/5609-tip-for-lowering-your-credit-card-inte...

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I can't say YOURs but, I'll just say ours. We joined a Credit Union many many years ago. Their credit card (1) earns points, of course, as most of them do, and (2) charges NO interest if you pay off the balance each month. We pay off the balance each month. Can you find one of those, and manage to use it that way?
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Sell assets to raise money and pay off the debt.
Source(s):
Debt is borrowed money against future earnings. To reverse debt you need to sell assets which is a material thing acquire through money accumulated from previous money. Future=Past and zero balance

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