If you’re closing a credit card, make sure you follow these steps or your credit rating could be affected. Here’s how to cancel a credit card properly.
Credit counselors help consumers manage — and ultimately lower — their debt. They promise to negotiate with debtors, create payment plans, and lower the interest rates of people in debt. Their ultimate goal is to eliminate your debt. Credit counseling can be good… so good, it’s even mandatory in some situations — like before you can file for bankruptcy.