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14 Steps To Quickly Becoming Debt Free

Lower your interest rate.

Most of the time you can lower your credit card interest rates by doing a balance transfer. A balance transfer means moving your credit card to another bank that might lower the interest rate to get your business. You should shop around and try to get the lowest interest rate for the longest duration. Whatever you do, don’t use that new card. Put away in a safe if you have to. Commit to paying off the balance you moved over in a timely manner.

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