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creditcards

The most efficient way to save money is to pay the entire balance due on your credit card at the end of the month. Paying the entire balance negates the interest rate charged on your current card. Interest rates are important for people paying the minimum balance. The extra money saved can go towards paying other expenses. For the ones that are unable to pay the entire balance the main goal is to reduce the interest rate charged for your card. To do this call your current credit card company and negotiate for a reduction. The longer the person has the card the easier it is for the company to reduce the interest rate. Long term commitment always gives customers a slight advantage because of loyalty. Being persistent and negotiating will pay off. For the ones having trouble making the minimum payments and the negotiation is not working, do your…

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