Jaime
01/20/06 09:21 AM
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cailin
Reged: 08/12/04
Posts: 3563
Loc: Dublin, Ireland
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Credit card debt is horrible, believe me I have been there. You did the right thing by phoning the company to tell them, that always stands to people.
I REALLY REALLY recommend getting rid of the Credit Card debt. The interest rate is WAYY too high, You can get personal loans for half as much interest and pay them off month by month according to what you can afford. Then, either (sorry) cut up the credit card, or get one with a small limit, or set it up so your account is debited the full balance every month (that'll teach you quickly that your credit card is real money)
I consolidated mine last year and anything that i *have to* put on my credit card I transfer money immediately to my card account before the bill even hits (I mean internet purchases, cinema tickets, that kind of thing)
I have a big personal loan to take care of but it's such a relief not to have the credit card monthly bills and for me to keep adding to them.
Good luck with it.
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