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If you have heard the statistic that the average household credit card debt is $9,000 so you feel that because you are in that range, take a step back. The average credit card debt is correct, yes, but that does not mean that every individual has that much debt. In actuality, a few individuals possess much higher balances to make up for those who have little or none. Only 46% of households actually carry credit card debt and 23% of households have less than $2,000 in debt. If you are one of the people who fall into the category of an American with a high balance, admit that you need some help before you suffocate with your debt. Take a hold on it before you end up having to do something drastic like file for bankruptcy.

Simple ways to cut the bill down

A few baby steps can assist you greatly in lowering or even eliminating your credit card debt no matter mortgage loans for people with bad credit large it may be.

Do not pay the monthly payment only. The minimum monthly payment only pays a small portion of the actual balance off and most of the money that is sent in is used towards the incredible amount of interest. It could take years before your debt is paid off if you continue to do this.

Try to take your minimum payment and double or triple that amount. It may seem overwhelming but think of all the money you will be saving on interest in the long term.

Everyday life cuts

You can even do a few simple things in your everyday life that will allow you to bad credit remortgage the extra money so that you can put it towards your credit card debt.

Try to negotiate a lower interest rate with the credit card company. If you have been a good customer with an excellent payment record, you might be able to talk your way down a few points or two. It never hurts to try. If you are turned down, try again in a few months time.

Eat at home instead of eating out. Figure out the difference you would have spent and allocate that extra into a special area dedicated to paying off the credit card debt.

Eliminate extras on packages that you do not need like all the premium movie channels on your satellite television.

Use your utilities less to cut down on those bills as well.

A little goes a long way

While some of these hints and suggestions seem common sense or minor they really are an effective way to dig out of credit card debt. If you have ever heard, the saying that you do not want to bite off more than you can handle you understand where I'm coming from. Everyone has to start somewhere and if these are able to assist you in saving even a bit of money then they will be worth it in the long run. Then you actually can take the money you would've spent on interest and go do something fun with it, like go on a family vacation or a big purchase. This time no charging allowed, cash only please!

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BestCreditCardRatings is an outstanding resource for people looking to research, compare and apply online for the best credit card offers available.

To increase sales on your website, you must accept credit
cards. To process credit cards, you could apply for a
merchant account through your bank or other financial
institution.

Sometimes, though, you would be further ahead to use the
services of a credit card processor. This is especially
true when you are first starting out and have more
limited resources. In this way, you may process credit
card transactions without the high front-end costs and
requirements of a merchant account.

Here, then, are just a few ways of accepting credit cards
without a merchant account. I personally use all of these
vendors and can recommend them wholeheartedly.

1. Clickbank

If your product is downloadable (such as electronic books
or software), you might consider ClickBank . For a
$49.95 initial fee, you can process credit cards and
on-line cheques for $1.00 per transaction plus 7.5% of
sales.

You receive additional exposure through free listing on
their website and through the search facilities of other
websites, such as CBMall .

As an added bonus, you have your own built-in affiliate
program. You decide what commission (from 1% to 75%) you
would like to pay your affiliates.

2. PayPal

PayPal has no initial fees. For just 2.9% of sales
and $ .30 per transaction (and sometimes less), you can
receive money from anyone.

Also, you can pay others by credit card or chequing account
without supplying your personal credit information to the
payee. PayPal can be used to collect money from your
auctions, website sales, or even from Antipsychotic Therapy or clients.

3. PaySystems

PaySystems can handle either intangible (downloadable)
or tangible (shippable) products. For an initial fee of
$49.00, you can accept all major credit cards as well as
online checks. Fees are just 3.95% of sales and $1.00 per
transaction. Alternatively, you may pay 5.5% of sales and
$ .35 per transaction.

For this, you receive shopping cart, integration with
third-party affiliate programs (such as ClixGalore ),
fraud screening, multi-currency transactions, toll-free
support, marketing tools, and more.

For more information on how to accept credit cards without
a merchant account, visit:
rel="nofollow" yenommarketinginccreditcards

RESOURCE BOX:

J. Stephen Pope, President of Pope Consulting Inc., popeconsultingincpopeconsultinginc has been helping clients to earn maximum business profits for over twenty-five years.

For valuable Work at Home Small Business Ideas, visit yenommarketingincyenommarketinginc