If you’ve buried yourself in credit card debt and are strangled by your payments, you can try to work out a better deal by negotiating with the companies you owe. Some smooth talking might net you lower rates, more manageable payments and more time to pay up. [More]
art of the deal
How To Get Credit Card Companies To Lower Minimum Payments
The problem with using credit cards is that although they make it seem like they’re magic buy-everything passes, eventually you get bills and have to pay for all that stuff you bought. [More]