Sometimes things come up that are out of our control and we need to use a credit card for the purchase because we don’t have the cash on hand. Other times, we just have to have the latest toy or gadget and use a credit card to buy it. But when the bill comes due, it can be unpleasant.
If things get too out of hand, we can be left with a large credit card debt and no easy way to pay it down. We end up paying a ton of interest, sometimes for years after the purchase was made. Fortunately there are places to turn to if you have a credit card debt problem.
The first step to take is to try and get a lower interest rate on your card. This can be done in either of two ways. The first – and probaby simplest – way is to call your credit card provider’s customer service number and ask for a lower rate.
They’ll tell you within seconds if you qualify for a better rate or not, and you’ll be surprised at how often you will get it simply by asking.
The second way you can get a better rate is by applying for a new card that has a better interest rate than your current one. You can then transfer the balance from the higher rate...
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