First of all I want to say yahoo!!!!! to the DOW being up again. Going up 5 times in the last 6 trading days has to get everyone excited. Maybe the economy is heading in the right direction. No one really knows, but the big investors must be hearing something they like. Lets just hope that we are heading in the right direction.
Credit card companies are designed so that once you get in to debt and pay the minimum payment, you will never pay it off. They love having people in that position. What a lot of people don't know is that if you call them and ask them to lower their interest rate, a lot of them will drop your rate. "Simply by asking". Tell them that you have other offers that are much lower then they are. They won't want to lose you as a customer. A lower rate is better then nothing. If this doesn't work, play the credit card game! Take the offers that give you a low rate and transfer your balance to them. I've seen offers for 0% for 12 months. Remember to cancel your current card after you do that so you don't have to many open credit lines on your credit report. After you do this, "Do Not" use your card anymore. If you can't afford to buy it with out using your credit card, then you can't afford it! Always live with in your means.
I wish everyone financial success!
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