If it seems like there must be a better way, there is.
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If your debt is getting out of control, Consumer Credit Counseling Service can help for free Learn how to greatly reduce your exposure to telemarketers , junk mail, and unsolicited credit card offers. If you're carrying credit card debt from month to month and paying those nasty finance charges, you're probably already looking for a way to dig out of the credit card hole. This step by step guide can start you down the right path. It used to be that credit card companies wouldn't tell you how much a credit card cost until you actually got the card in your hands. Let's look at the three elements that have the greatest impact on your interest rate costs.