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October 22, 2007
Dealing Effectively With Credit Card Debt
Most debt problems begin innocently enough – you see something you want to purchase, and although you don’t really need the item immediately, you don’t want to delay the purchase until you have the cash to pay for it. A store credit card seems like a convenient way to get something now that you had already planned to buy later. If you are adept at managing your finances, a few extravagant purchases now and then are probably harmless.Problems begin when people begin to use credit cards or other kinds of credit impulsively, and the balances on one or more accounts grow beyond their ability to repay the debt quickly. Debt, especially credit card debt, can accumulate rapidly, and many people soon find themselves barely able to make the minimum monthly payments.Whether you are already overwhelmed with credit card debt, or simply want to prevent debt problems before they start, there are steps you can take to keep the compulsion to overuse credit cards in check, prevent minor credit card debt from spiraling out of control, get out from under excessive debt, and repair your credit.One strategy that can work to keep you from overusing your credit cards […]
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