Paying off High interest card

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Listing Information
Amount: $3,000.00 Status: Loan created
Grade: C DTI: 22%
Lender Rate: 11% Borrower: Orzo
Time Left: Finished State: VA
Funded: 100% Group: Fairplay Lending
Loan Information
Loan Status: Current Origination Date: 2006-12-05 EricsCC ROI: 7%
Status History
Dec 04, 2006 Current

Relisted to include Group, lower DTI,to include all budget data and updated information.

Hello my name is Yolanda [LAST NAME DELETED].
I am wanting to pay off my BoA card which has a current balance of $3500 @ 24% interest. I am tired of the high interest rates and would have no problem paying this back well before the full term of the loan.
The public record is from a utility bill and it is being paid off, on time, since I pay everything in advance there was an amount due after a move back in 2000 from my home state of N.Y. to Virginia. 
All my bills are payed on time if not before and in advance. 
I have no DQ's on my record and like the concept of prosper and look forward to being a lender in the future. 

Monthly Income:$1400

Monthly Expenses:
Rent : $340
Electricity : $30
Internet & Cable : $35
Phone : $20
Visa : $36 
Groceries : $150
JCPenny : $15
Car payment : $107
Car insurance : $76
Gas : $130
PR : $35     

Total = $974   

$1400- $974  = $426 $426 - $148(Prosper Loan) = $278 left over.

Would much rather pay the card off in full and not use it than to continue paying the high interest charge. I have listed with the highest interest rate I could if it were possible I would increase it. 
I am no risk and will stay in communication as need be.     

  Thank You for taking a look at my listing. 
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