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    er and ask for a lower interest rate. Credit cards are very competitive and if you have received an offer for a special rate, call your credit card company and ask them to match it. By getting a lower interest rate you will begi
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    1. Begin by Paying Off Your Credit Card Debt

    • If you have multiple credit cards, you should consider transferring your balances to the lowest interest card you have. If this is too expensive or not an option, then you will want to focus on one card at a time. Begin with the highest interest rate card and make larger payments while still making the minimum payments on the others. Once that card is done, cancel it and move to the next.

    2. Make Higher Payments – More than the Minimum

    • If you only make your minimum payments the interest will keep adding to your balance. Soon you will only be paying on interest and none of your actual debt. If you can make payments that are higher than the minimum then you will begin chipping away at the balance itself and not the interest.

    3. Ask For a Lower Interest Rate

    • Believe it or not, you can actually call your lender and ask for a lower interest rate. Credit cards are very competitive and if you have received an offer for a special rate, call your credit card company and ask them to match it. By getting a lower interest rate you will begin

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    ou will want to focus on one card at a time. Begin with the highest interest rate card and make larger payments while still making the minimum payments on the others. Once that card is done, cancel it and move to the next.

    2. Make Higher Payments – More than the Minimum

    • If you only make your minimum payments the interest will keep adding to your balance. Soon you will only be paying on interest and none of your actual debt. If you can make payments that are higher than the minimum then you will begin chipping away at the balance itself and not the interest.

    3. Ask For a Lower Interest Rate

    • Believe it or not, you can actually call your lender and ask for a lower interest rate. Credit cards are very competitive and if you have received an offer for a special rate, call your credit card company and ask them to match it. By getting a lower interest rate you will begi

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    2. Make Higher Payments – More than the Minimum

    • If you only make your minimum payments the interest will keep adding to your balance. Soon you will only be paying on interest and none of your actual debt. If you can make payments that are higher than the minimum then you will begin chipping away at the balance itself and not the interest.

    3. Ask For a Lower Interest Rate

    • Believe it or not, you can actually call your lender and ask for a lower interest rate. Credit cards are very competitive and if you have received an offer for a special rate, call your credit card company and ask them to match it. By getting a lower interest rate you will begi

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    n make payments that are higher than the minimum then you will begin chipping away at the balance itself and not the interest.

    3. Ask For a Lower Interest Rate

    • Believe it or not, you can actually call your lender and ask for a lower interest rate. Credit cards are very competitive and if you have received an offer for a special rate, call your credit card company and ask them to match it. By getting a lower interest rate you will begi

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    er and ask for a lower interest rate. Credit cards are very competitive and if you have received an offer for a special rate, call your credit card company and ask them to match it. By getting a lower interest rate you will begin chipping away at your actual debt.

    4. Consolidate Your Debt

    • Debt is a lot easier to manage when it is one place and not multiple bills. With a debt consolidation loan you can use the money to pay off all of your debt and then begin making payments on one loan versus several debts with multiple interest rates.

    5. Stop Adding to Your Debt

    • This may sound obvious, but you have to do it. So many people will make the minimum payments on their credit cards, but keep using them. Once you get your credit cards paid off, either cancel them or plan to pay them off each month so that you don’t find yourself in this situation again.

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