There are tons of credit cards that will do free balance transfers, and like 0% interest on the amount for 6 months to a year.
Also, TODAY call that credit card and request that they lower your interest rate. I have never had any of my cards increase the rate on me. That's terrible! If they keep raising it, drop that card IMMEDIATELY, especially if you call and they won't lower it.
The card that I would transfer the balance to advertised a 0% rate for 6 months, but that 4.9% and $60 was in the fine print.
When I got the notices raising the interest rate, they were worded that if you didn't accept the raised rate, you had to pay off the card, and at the time, I didn't have any other cards to transfer the balance to and I didn't have the moolah to pay it off.
closing cards can actually hurt your credit report
and yeah i read something recently about how CC companies have been raising their APRs and can do this without your acknowledgement, how nice