Whichever method you use is up to you. The key is to stick with the plan every month until that card is paid off, take the amount of the payments you were making on it and add it to the minimum payment. The minimum payment just about equals the finance charges. The more you pay, the quicker the debt is not so high in respect with your current circumstances. However if you do not manage your credit cards are paid off. It's surprising how quickly the payments can snowball.

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KARE - It sued Ameridebt for cheating Minnesotans out of nearly a $1 million. "They basically promised people that they would help consolidate and payoff their credit-card debt, only to charge the people significant amounts of money in up front fees. And ... Read more...

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