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Ever wondered if there was a do it yourself approach to debt consolidation services? Determination is the key to get you out of debt. If you are focused enough, you will be able to get out of debt and stay on top of your finances.

Credit card bills take a big toll on your financial lives. Most credit card companies charge anywhere between 15% to 24%. When you pay only the monthly minimums, it might take you forever to get out of debt. Besides the compounding of the money you owe might kill you.

The best you can do in this situation is to pick the phone and call your credit card company and demand better interest rates. With the fear of competition, most credit card companies will be able to offer better interest rates on the money you owe. Each month, try and pay more than just the monthly minimum you owe on the account. This way, you will be able to pay off your entire debt relatively soon.

If you are having problems paying down your credit card debt, switch to a credit card company that offers 0% interest rates for the first few months. This will give you the breather so you can focus on how you can manage to pay off what you owe.

Debt consolidation is not always necessary. All that counts is your willingness and determination to stay on top of your finances and save for your golden years.

Bill Smith is a debt consolidator for Ameri debt consolidation. Visit us at http://www.americreditservices.com/ for debt consolidation secrets and articles.

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A magnitude-5.2 earthquake, centered 131 miles east of St. Louis, Missouri, shook southern Illinois at 4:36 a.m. (5:36 a.m. ET) Friday, according to the U.S. Geological Survey. People as far north as southern Michigan and as far west as Des Moines, Iowa, reported feeling the quake.

For those who live in the fast-paced world of today there is now a credit card that meets your needs. If you don't have the time to wait for credit card approval then an instant approval credit card might be the route to take. A lot of people don't have the time or patience for the dated method of applying for a credit card. Traditionally you have to fill out an application, mail it in, and wait for a letter advising you if you have been approved for a line of credit.

What happens when you don't have the luxury of time to get approved for a credit card? This is where an instant approval card comes in handy. Companies that offer instant approval credit cards provide an online link to their application. No more filling out your application by hand and sending it off in a stamped envelope. Now with a click of your mouse you can access the application, fill it out, and submit it.

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Such cards offered through the instant approval method are the Chase Visa Platinum Card, Discover More (SM) Card, Chase Free Cash Rewards Visa Card, Discover Open Road(SM) Card, Blue from American Express, Chase Freedom Cash Visa Signature Card, Blue Cash from American Express, American Express Preferred Rewards Green Card, Clear from American Express, and Miles by Discover Card. Talk about a multitude in credit card options. You still maintain the same selection without having to have the patience on waiting days or even weeks for some type of notification in the mail.

So what if you aren't approved for a credit card through cards with instant approval? You still have opportunities, just possibly through a different type of credit card. The days of getting declined and experiencing the despair of not being able to benefit from a credit card are over. Many of the companies mentioned above have come up with a solution to being declined. When you seek a credit card through instant approval you will know immediately if you are declined. If so you may want to seek a prepaid credit card. You can be instantly approved and in the case of many cards offered can even benefit from some of the rewards credit cards or those that offer cash back incentives, all through a prepaid credit card.

http://bestcreditcardratings.com/instant-approval-cards

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