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To make sure you never miss a payment, set up a direct debit to make at least the minimum payment each month.Call your credit card company and tell them you want to cancel your card as a competitor has offered you a lower interest rate.That way, you will only use your credit card for emergencies. Since the money comes straight out of your bank account, it may make you think twice before you spend.Credit card interest rates can range from as low as nought per cent for introductory offers, to as high as 30 per cent or more.

If you tend to pull out your credit card when you're short of cash, leave the card at home.For more ideas on how to lower your credit card debt, visit or Cook County Sheriff Tom Dart, shown in January 2015, recently wrote in letters to Visa and Master Card that it is “increasingly indefensible for any corporation to continue to willfully play a central role in an industry that reaps its cash from the victimization of women and girls across the world.”Cook County Sheriff Tom Dart, shown in January 2015, recently wrote in letters to Visa and Master Card that it is “increasingly indefensible for any corporation to continue to willfully play a central role in an industry that reaps its cash from the victimization of women and girls across the world.” (Anthony Souffle, Chicago Tribune) Visa on Wednesday became the second major credit card company this week to stop allowing its card to be used to purchase adult ads on To be honest with you, I have heard more thoughtful logic out of my 5-year-old,” Dart said at the downtown news conference.“They try to spin this thing where they are our biggest asset and they are helping us.