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Credit card debt is a vicious circle, [link widoczny dla zalogowanych] once you get into debt you continue to owe more and more which eventually means you will be in trouble. If you continue to pay the minimum amount every [link widoczny dla zalogowanych] month then your credit limit will continue to grow which encourages you to spend more. The best way to prevent credit card [link widoczny dla zalogowanych] debt is to be cautious when using your credit card. You should spend a long time managing your debts to make sure that they do not get out of control.
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The credit card company may have been open to another deal which [link widoczny dla zalogowanych] would have been much better for your credit rating, and would of still allowed you to repay your debt comfortably. Using the services of a credit repair company might seem like a good idea however it will almost certainly damage your credit rating severely.
Few people bother to spend time thinking about how to repair their credit rating, however it is something that you need to do. If you repair your credit rating then you will be able to do much better than otherwise.
What should you do?
If you're serious about reducing the debt on your credit cards then there are a few things that you need to do.
Firstly the most important thing is to stop using your cards. Just cut the cards up, and then contact the credit card companies to get them to freeze your account. This will prevent you from using the cards. Instead of spending [link widoczny dla zalogowanych] money on the cards you can repay money on them.
You might also want to consider getting another job to get some extra money in so that you can repay your debts quicker.
While you are talking to your credit card company you should try to negotiate with them by yourself to find a [link widoczny dla zalogowanych] good [link widoczny dla zalogowanych] method of repayment. Credit card debt reduction services will do the same, however if you do it by [link widoczny dla zalogowanych] yourself you can look after yourself much better. You will be able to negotiate for your best interests.
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