With so many attractions abounding, credit card debt can spiral completely out of control if you are not careful. Regretfully, there are innumerable people who fail to exercise financial disciple and run into a debt trap finding it impossible to service even the minimum payable dues per month out of their incomes. Many people just close their eyes to the problem thinking that by ignoring it the issue would disappear. Unfortunately, sooner or later, poor repayment history catches up with them preventing them from getting a job, a home or even insurance. Here’s how you could make life easier:

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