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
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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]