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When you are unable to pay off one of your credit cards, then the best policy is to contact the credit card company. Letting it just go to collections is bad for your credit score. You will find that most companies will let you pay it off in smaller amounts, as long as you don't keep avoiding them. Credit cards should always be kept below a specific amount. This total depends on the amount of income your family has, but most experts agree that you should not be
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