Prison debt credit card
There is one thing, what experts call "the process of problem solving." This is a systematic method to solve the problems that you always use to get the starting point where the problem is to end point where the problem is resolved to go. There are six basic steps in problem solving, and none of them can be ignored. They are ...
1. Identify the problem
2. According Defining the problem
3. By suggesting solutions
4. Identify the risks and costs
5. Select the best solution
6. Implement the solution.
This process still works, because there is no place for emotions, excuses or procrastination. You get out of the first phase to last until it melts quickly and the problem.
Many times, when it comes to credit card debt that people do not want to acknowledge the problem. 12-step programs like Alcoholics Anonymous, the first step is to recognize that you have a problem. And very often the main obstacle for someone to see you start to take their credit card debt, his life.
The credit card companies are not helping. They love nothing more than anything they can do to help you develop more and more debt. They are not necessarily bad, but that's how they earn their living. The money from the interest you pay on credit card debt goes, houses, food, college education and pay for the cars of many fantasy managers of corporate credit cards. That alone should make you want to connect this type of scam called upon to make enormous debt credit card.
Let's call a spade a spade. Credit card debt is a loan that is not necessary, all the paperwork, just to get the complete paper. Once you have it, the credit card companies are happy, the credit limit, where you can buy more and more, all the while sneaking in the interest rate increase. Soon, the huge amount of debt and send them hundreds of dollars and much of that payment is interest.
The interest is money that does not buy everything. This will be money from the credit card companies to do anything other than the house of your debt. If we could get a perspective on credit card debt, you would see that there is no rational explanation as to why credit is 5% interest rates and an additional 25% tax charge. The credit card company owes us an explanation of what the money goes.
It's not as if you can buy a loaf of bread cost a dollar for a type of bread, but three dollars for a different kind of bread. In these cases, you can easily see that the higher price of bread is better quality, better tasting or more nutritious than bread cheap. You literally get more for your money. If a credit card company will charge a higher interest rate, there is no increase in the value of what you get. They give you nothing. If a company credit card interest rate increases from 10% to 20%, you get twice as good as any service or product for the extra money by using your product.
Just as they can be addressed? They do it because they get away with it and there is no evidence that any government agency is going to stop them. Obtained by the fact that not be offended, and release it when it cheating in this way. And get away with it because of credit card debt is a prison cell, and we can not do.
The purpose of this discussion is the first step for us to solve the problem. It should make us realize that we had, and about good and evil. If you are outraged that you have a problem, then you can use it for two and beyond, and four phase to find a solution and then do everything to happen the solution. And if you do, you're on your way to a condition precedent opened the cell door away from credit card debt and a free man or a woman, I hope not to go to prison again.