Problem: Article: Pay your cards off one at a time, starting with the account charging you the most interest. This will reduce your debt faster because you'll be paying a lower interest rate on the remaining cards. To do this, take your extra money each month, and make the minimum payment on all your cards except the highest interest rate card, then apply all the remaining money to paying down your highest interest rate credit card. Call each creditor and ask if they will lower the interest rate on your account. Even a slightly lower rate can add up to a lot of savings over time. If one company agrees to lower your rate, ask other creditors to match their competitor. It is possible to lower credit card interest rate just by asking. In fact, a recent survey found that when 50 credit card customers (of all credit backgrounds) called and asked to have their rates lowered, 56% successfully received lower rates, often by substantial amounts. The following script was used to reduce rates, "Hi, my name is [Your Name]. I am a good customer, but I have received several offers in the mail from other credit card companies with lower APRs. I want a lower rate on my card, or I will cancel my card and switch companies." Even if you have a poor credit score, do not hesitate to ask for a rate reduction. Persistence is key, and if the additional representative is not receptive, ask to speak to a supervisor. Credit card companies are eager to keep customers and are willing to negotiate rates to do so. State that you have been having difficulty making monthly payments, that a lower rate would help, and you currently have better offers from other credit card companies. At this point, ask for a rate you would consider more reasonable. Balance transfer credit cards charge low rates (sometimes 0%), on balances you transfer from other credit cards. These can be a great way to quickly reduce your interest rate, and therefore your overall payment. Transfer balances only if you are able to pay off the debt during the low interest introductory period. This introductory period can last from 12-24 months, and during this point you would pay no interest. Afterwards, a higher interest rate may apply. Creditors may charge fees for balance transfers. Check to see if the fee plus the new interest rate is still lower than your current rate. Typically good credit is required to explore this option. It is always worth applying -- call all available banks to ask what kinds of balance transfer cards they have, and how to apply. This involves taking out an additional loan, such as a line of credit with a lower interest rate, and transferring your credit card balances to that loan. This has the added benefit of rolling all your credit card payments into one simple payment. Simply call your bank and ask for options in this regard, but be very aware of the risks. Most people who consolidate their debt end up with more debt later on. Why? Because freeing up credit card space often results in more credit card usage. If you do get a debt consolidation loan, make a special point to not use your credit cards any more than absolutely necessary. Be aware that although interest rates are lower, the loan terms are often longer, which means you may actually spend more in interest over time. One effective way to reduce total interest payments (although not necessarily rates), would be to apply any savings you have to your credit card debt to reduce the overall balance. This can effectively save money, since the large interest being charged on credit card balances greatly exceeds the minimal interest typically obtained from a savings account. Ensure that you never use emergency savings for this. Always use additional savings beyond what you would require to meet your cost-of-living expenses for several months.
Summary: Pay off the card with the highest interest rate first. Ask for a lower interest rate. Consider a balance transfer credit card. Consider a debt consolidation loan. Apply savings to your credit card debt.

In one sentence, describe what the following article is about: There are many medications, both over the counter and prescription, that can help relieve nasal congestion in your sinuses. Flonase and Nasacort are nasal steroid sprays that are available over-the-counter. To use, administer one spray per nostril, once or twice daily. This is especially helpful if you have allergies. You may also try Zyrtec, which is a non-drowsy antihistamine, which can reduce sinus congestion. Take 10 mg once a day. Also try Claritin, another non-drowsy antihistamine that may work well for you. Take 10 mg once a day. Oral decongestants that include pseudoephedrine may also be helpful. If the over the counter doses don't work for you, talk to your doctor about stronger version of these medications or other, prescription only decongestants that may work better for your case. OTC pain medications for the pain associated with sinus congestion, such as acetaminophen and ibuprofen, may also help. Nasal decongestants, such as Afrin, can quickly reduce sinus congestion, but should only be used for three days. If you use them longer, you may get rebound symptoms. Pregnant women or people with medical problems such as heart disease, diabetes, high blood pressure, or thyroid disease should not use these medications without talking to their doctor. And talk to your child's doctor before giving them to children. If you have severe chronic allergies that cause your sinus issues, consider immunotherapy to eliminate your sinus congestion. Immunotherapy is the process by which you are administered small doses of what you are allergic to, such as pollen, mold, or pet dander, either by injections or under the tongue. The first step is to get tested by an allergist, who will figure out exactly what you are allergic to. Once your doctor has confirmed what you are allergic to, he or she will begin to administer the allergen as injections or under your tongue. The doctor gives you doses of the allergen with the idea that your body will learn to adapt to the allergen, no longer see it as an invader, and no longer continue to mount an immune response, such as the sinus congestion or a runny nose. The injections or treatments will take place weekly for the first four to six months. Next, you should be at the maintenance level and require treatment every two to four weeks. Gradually you will go longer and longer between treatments until you only need them once a month. After one year, if you have responded to therapy, you will have either no symptoms or be much improved and your treatments can continue for three to five years, when you should be completely immune to the allergen. If you haven't responded, the immunotherapy will be terminated. This treatment is time consuming and can be expensive, but many people are turning to this therapy because it removes their sinus congestion and improves their quality of life. There are certain situations when a doctor may be needed. If you have had symptoms of a head cold for more than two weeks, you should see your doctor to check for a larger issue such as a bacterial infection. If there is a change from your usual allergy secretions and symptoms for a week, it is reasonable to seek treatment if you are worsening on day seven instead of improving. Occasionally, sinus congestion can lead to a bacterial sinus infection, and your doctor may prescribe an antibiotic at that time. Sinus surgery is rarely needed for chronic sinus congestion or infections. If you are bleeding from your sinuses, if your sinus congestion is associated with headaches that are severe or with high fevers, confusion, neck stiffness, or weakness, or if any symptom increases after the use of any home remedy, see your doctor immediately. Drainage from sinus congestion can trigger symptoms in people with asthma or other lung problems. See your doctor right away if you have a cough, wheezing, chest pain, or shortness of breath associated with your sinus congestion.
Summary:
Try medications. Ask your doctor about immunotherapy. Seek medical attention.