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Set up your budget to pay the minimum on all your credit card .

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Getting a credit card is a fairly straightforward process that requires you to submit an application for a card and receive an approval or denial. The result of an application is mostly based on your credit score, although other factors are. Pay the most expensive balance first · 2. Another personal loan option is to use your home equity for a line of credit to pay off credit card debt. Get a balance transfer credit card · 3.

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