You can try to call the issuer and re-negotiate. However, I would only recommend this in the case that your credit is not good enough to obtain a new credit card. If you have good credit, applying for another credit card in order to do a balance transfer would be a good idea. Act fast because once you pass the due date it will be too late. At that point the finance charges will not only be incremental from there on, but you will also be charged interest on the entire balance for the entire initial interest-free period. This is called deferred interest. There are many options here that offer a 0% promotional interest rate. Some cards also offer an instant decision.