I would suggest canceling your Discover Card. Original interest rate was 9.9%.
In April, they increased it to 29.9% even though I set up EFT. I told them I would not be able to afford that interest and they basically told me "tuff." I asked for a "program" to fall into and they said no!
So, I stopped EFT and didn't pay (frankly I was so mad I didn't care about reprecutions) Discover calls, and I now pay via EFT but lost all the perks that I had been saving, have a bad rating on credit reports (not just one missed payment) I was paying and now Discover and I loose. I will never, ever get a discover card again.
Review about: Discover Bank Credit Card.