One strategy, that has been used by a number of people when they have fallen
behind with payments, is to refinance their existing card into an interest free period or an introductory interest rate period card and the payiing it off without interest accruing.
The biggest trap with this i and concentrate ofyou have an additional
credit card, so if you don't cancel the old credit card you can be in a position
where you dig a deeper hole and increase the debt level even further.