The best thing that you can do is to improve your credit score and if you can get it to over 700 then that is even a bigger plus.
Lenders are looking for people to give low interest loans to and the higher your score the better chance you have.
First what you need to do is to search through your credit report to see if there are any bad items that should not be there so you can get those removed.
You can dispute any of those items that should not be on your credit report.
You need to always keep on top of your report because it is your key to having good credit.
Next you need to dispute all items that are incorrect on your credit report because the credit agency has to prove they they are legitimate items.
If they can not verify them then they are required by law to remove these items and this will help your credit score to go up.
Finally the simplest thing that you can do is to always pay your bills on time.
This will make your score go up the fastest and keep your interest rate down to the lowest.
You can set out a plan so that you can make some adjustments to your budget to be able to pay off your credit card debt.
When you make a plan it is easier to see where you can shift some of your expense to pay off those bills.