Was recently denied a new CC for the usual reasons. Need a new card desperately in order to transfer balances from the high interest rates we are currently paying. I need "real time" advice on this matter. Calling on any experts that think they could help me out asap. Not looking for mileage advice, I'm not in that world! I need a) new credit card b) higher credit c) lower apr. Anyone out there looking to do some community service by helping me fix my way out of this mess? Seriously and thank you in advance