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If the information provided is too confusing to sort out, call your card company and ask someone to explain it to you. If you have a balance of £1,000 and your interest rate is 22 per cent, it would take you 12 years to pay off your debt if you made only the minimum payments.

During that time, you'd pay a huge amount of interest, more than doubling your original debt.

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This could mean you lose your home if you fail to keep up payments.

These firms can also charge high fees, and their involvement may affect your credit rating.

It's easy to think that your debt is too big to deal with.

You'll find teen babes from all ethnic backgrounds, all walks of life, from all over the world.Therefore, you want to transfer your balance to the new card.Your credit card company may be willing to lower your interest rate. Cards with annual fees often have lower interest rates, but do some sums to make sure they're worth it.Before taking out a debt consolidation loan, get free advice.The Money Advice Service has a list of trustworthy places to go for help.

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