Without it and not being able to live without it or how to lower a visa executive's annual bonus, reductions and "accident scrapes" from your finances are taking their toll. You should focus on your homework. It's a shame that you can't sleep at night worrying about how you're going to pay the bills. You don't laugh at the little sign on your car bumper that screams "I paid for my visa with a MasterCard". Yes, debt sucks. But giving up is not the reason. Credit card trading's advanced circle of financial treatments and usage time. The situation is serious - perhaps violent - but not one that requires drastic action. At least not yet. In this step, we discuss how to deal with serious credit card debt and strategies for surviving financial hardship. These include credit card "drags", "above limit protection" debit card and check account schemes, the cheapest method of using "courtesy checks", the cost effectiveness of credit card security, life insurance, and unemployment insurance schemes, How to Stop Your Credit Card Interest Rates and Penalty Fees from Adding Up, How to Respond to Declines for a Credit Card, When to Get a "Get" Credit Card, How to Improve Your Personal "Credit Score," Consumer Rights When Being Tracked by Debt Collectors , here's how to get and fix your credit report when you can negotiate lower financing fees to refinance credit card debt and that most annoying of all -- "identity" theft.

In addition, a sample letter is provided to argue your credit card company or other agency's policy for formally filing a consumer complaint. For those who need immediate professional help with their financial situation, we offer advice on finding a reputable and affordable consumer credit counseling firm near you.

And, there is a fee of only $10 for this step in our search for your financial ability, far less than what you currently don't have to pay for a "courtesy" check.