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Cut up all of your credit cards so they’re not available. If it makes you feel more secure, you may want to keep one card for emergencies. But give it to a family member, freeze it in a block of ice, do something so that you have to consider whether it’s truly an emergency. Now that you’re not adding to your debt through spending, decreasing the interest that accrues every day is the next way to reduce credit debt. Look for the credit card with the lowest interest rate, and consolidate your debt. Call your credit card companies and see if they can offer you any special rates if you transfer your balances to them.

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