In this chapter you will learn how to pay down your credit cards, negotiate better interest rates on your current balances, and use your credit cards to get free money if you are disciplined.

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By understanding how credit cards work and knowing what questions to ask your providers, you will empower yourself to make better decisions that can affect your financial health. Having an understanding of your options will provide you some mental relief knowing you are in control of your own financial destiny, you have options to help you, and you can share your learned knowledge to help others as well.