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More on credit cards:
If you have many cards, consider cutting most of them. You don't need a lot - just keep one or 2.
Credit card companies desperately want your business, which means you have the power to negotiate. If you are paying 18% on a credit card, you're paying way too much. You can easily get your rate down to 14% or even 9% just by calling them and asking for it. If they say no, tell them you received an offer by a competing card company.
If your credit cards out high and you can't get a handle on them, you're still in luck. You can ask your bank or any credit card company for a "debt consolidation loan". By transferring all of your debts to a single account, you will get a much better interest rate and you will have only 1 bill payment to make. This saves you money and grief, and also repairs your bad credit.
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