How can I get a late notice removed from my Credit?

Unfortunately, it was your mistake not to pay the minimum amount within the due date. Credit Company will be good only if you make a payment on your account. After you have paid a certain amount, you can negotiate for a lower interest rate. But at present, they will stand strong because of the missed payment. And if you keep defaulting, the interest rate will rise higher.

You will only multiply your debts by doing a balance transfer. You have to show money in your account to do the repair. Living on credit is going to be a bumpy ride from this point. If your credit scores aren't good, opening new account will also be a problem.

Talk to a debt counselor for professional advice. You need things to be in control rather than opening up new lines of trouble.

You can always threaten to close your account if they don't drop your interest rate back down to a reasonable level. It sometimes works.