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An effective debt counselling plan is made to strengthen your financial position. It is important that you agree outstanding debt owed on the plastic card. Pay over outstanding balance with the bank card which has the highest interest rate. You also should pay over outstanding balance exceeding 50% on your own credit limit. Then start paying of the next amount that has another highest interest rates and continue further till you clear the balance about the lowest rate of interest. The best way to live a free of debt lifestyle is actually opening not more than 4 credit accounts that will also help you to create a solid credit rating.

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