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I have always been very responsible with money. I think it comes from my father’s influence; although I have credit cards, I have never had an outstanding balance. The only debt I have is college loans, and I am steadily paying them back. One of my best friends, however, ran into trouble early with credit card debt. He is a shopper, and beginning in college, he started racking up debt. By the time we got our first jobs, he already owed tens of thousands of dollars. Not knowing what to do, he asked me for help. The only problem was that I had absolutely no idea what to do either. However, I did know how to use the Internet, and I did some research for him. I eventually came across Payingpaul.com, a site that helps get individuals out of debt. He contacted them and things are better now, although he is still working with it all and dealing with the consequences of not having good credit.
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The global economic conditions are worse. The situation is turning out to be more pathetic for the average spender. Credit-card companies are facing immense losses in revenue because many among their client base abandoned the ship! Keeping in tune with the scenario, many merchants do not accept credit cards anymore. In order to remain in business, the Credit-card companies came up with this innovative idea – prepaid credit cards. How does one of these cards function? Yes, it is possible to use them as a form of secured credit card. If one needs prepaid credit cards, they will have to make certain deposits to their bank. It is similar to prepaid mobile phone services. The customer pays for the talk time in advance; the same policy is being enforced over here. Make a small payment to the bank and the bank will allocate a certain credit limit; and the card holder can utilize it to make purchases.
I have always been very responsible with money. I think it comes from my father’s influence; although I have credit cards, I have never had an outstanding balance. The only debt I have is college loans, and I am steadily paying them back. One of my best friends, however, ran into trouble early with credit card debt. He is a shopper, and beginning in college, he started racking up debt. By the time we got our first jobs, he already owed tens of thousands of dollars. Not knowing what to do, he asked me for help. The only problem was that I had absolutely no idea what to do either. However, I did know how to use the Internet, and I did some research for him. I eventually came across Payingpaul.com, a site that helps get individuals out of debt. He contacted them and things are better now, although he is still working with it all and dealing with the consequences of not having good credit.