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When it is time to make monthly payments on your credit cards, be sure that you pay more than the minimum amount that you are required to pay. If pay the small amount required, it will take you longer to pay your debts off and the interest will be steadily increasing. Keep track of how much money you are spending when using a credit card. Small, incidental purchases can add up quickly, and it is important to know how much you have spend on them, so you can understand how much you owe. You can keep track with a check register, spreadsheet program, or even with an on
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