Unfortunately, most Americans are highly in debt. The recent credit crisis has only showcased this problem. While not all debt is bad, such as student loans and mortgages, credit card debt will choke the life from your finances.
If you are in debt, make sure that have the lowest credit card rate possible. To do this, depending on how good your credit is, do a little research and see if you can get your rates lowered either with your card, or with another.
To find out if you are getting the best deal for yourself, visit websites like Bankrate.
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