I build homes and develop lots for builders...does that help answer your question???LOL
No, it doesn't but I'm glad to hear you haven't suffered a disaster or ill health.
You raise more questions. Why no line of credit with a bank for development costs to be recouped later?
Or, are you living on credit cause the housing market is so flooded with product?
In any case, I hope you can transfer your Chase balance to a lower interest rate.
Have you tried Chase's retention or mitigation departments?
But don't be surprised if your other CC interest rates climb as well.
Good luck, Mike!
BTW, I know of a 60+ lot plus development sitting idle with motivated sellers, if that can help you reduce your debt.