The Nightmare Of Credit Card Debt And How To Beat It Through Debt Consolidation.
Credit card debt is a much discussed topic in the commercial and social circles. A big section of the population has been bit by this bug called credit card debt. Cant blame them much; as such, its pretty easy to fall prey to this bug.
The main reason behind so many credit card casualties (rather credit card debt related casualties) is that many people dont understand the concept of credit cards properly. They treat credit card as free money that is never to be returned. Thus all the discipline, which would otherwise have been exercised with spending hard-earned money, goes for a toss.
That means people overspend and get into credit card debt. They keep spending till they reach the credit limit on their credit card. Some people go to the extent of treating that like a game and consider it a defeat (or consider their credit card under utilised) if they dont hit the credit limit quick enough.
These unnecessary spends result in a situation where they are not able to payback their credit card bills and end up paying interest on the amount they owe. This keeps building up...
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