Thanks for replies. I rang bank today and told them that I would not be paying any more payments because I have recently lost my job and I told them that I applied for a lower interest card with the bank and that it was refused. They called me back to tell me that they would issue me with lower rate card. I am trying to sort out our finances and feel much better now that this is sorted.
To think that when I applied for the card 5 years ago I didnt even think to ask about interest rates.
Amazing what banks can do when you give them no other option.