Credit card companies continue to aggressively market their lines of credit because they make a lot of their profit on the interest and other fees associated with keeping people in debt such as late fees and overdraft fees. Many people get drawn into the introductory offers of low interest rates and later realize that the rates have gone up considerably once the initial time period has gone by. So you are behind on your payments, or straggling make them on time, what do you do now?
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