They are so easy to carry, easy to use, you can fit up to 20 or more on your wallet or purse, almost any store, restaurant, gas station,
let face every one take them. If you have you heart set and your aim is to become free from debt then you have to stop being the credit card companies dream customer and paying the minimum each and every month. To become free from debt will give you a greater financial freedom, less stress and in general a better way of life. So how do you go about becoming your credit cards worse nightmare? The perfect way to become your credit cards worse Enemy and become debt free is to pay off your card completely each month. Now this obviously isn’t possible all of the time so just pay a little extra. When credit card companies send out your statement at the end of the month you will normally find the figure for your minimum payment is in a larger font than that of your actual total to pay back, you will never guess why they do that!!! OK We will tell you it is because that is what they want you to pay because most of it is interest on what you owe! (Pretty smart people aren’t they). Paying the minimum each month will mean that you would pay back the average debt of $10.000 over a massive 30 years! So if you think about how old you are now and how much you owe that is a very large portion of your life spent working just to pay the credit card companies interest! Not the ideal way to become debt free is it? If you find you are paying the minimum each month you are fed up with the money you are handing over to your credit card company each month there are a number of different things you can do to reduce your debt and your interest. Call your credit card company and ask for a lower rate. This works we have tried it. By getting a lower rate you will reduce the interest you pay and become free from debt quicker. Pay more than the minimum each month. Cut back on what you spend and pay the extra off on the credit card see that balance reduce. (Multiply your minimum by 3 if is possible for you) They do not like these Ideas from you. Pay early and not at the last minute, this means that they can’t attach more interest or charges for late payments. If you have your own home you could get a home equity loan, this would reduce your interest rates and your lowest monthly payment as the payment would be a regular amount for the duration of the loan. All of the above will mean you become your credit cards worse nightmare, if you don’t owe THEM money then you won’t pay charges or interest that you don’t need to. Easy steps to take to be a credit cards worst nightmare and become free from debt. And better yet do not use those Checks with Reduce Interest for a long period of time, just Destroy them. Some people call them! Branch of the Government with the License to Steal Legally!!!!!!!!!