Want to lower finance charge only

We have several cc’s that have high balances that we know that we incurred. We are not looking to avoid paying back the equity, but due late payments and over the balance happenings, the interest rates are between 24-32%. The late payments were caused mostly by online banking mishaps on my part. I either thought I had the payment set up and didn’t or didn’t have it set up to arrive on time.

If we could just get the interest rates lower.

Anyone else with this same issue?