We all know how it goes: something unexpected in your life happens. You use the credit cards for a short-term need. Just a stopgap measure to help you get through the rough patch. However, by the time you've gotten back on your feet, the outrageous interest rate is making it impossible to pay the balance down. The minimum payments aren't doing the trick. You need a solution to this problem, or you will be paying minimum balances forever .

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