While billing issues and interest rates are obviously a sticking point when it comes to dealing with your credit card lender, most of the top five complaints from consumers revolve around issues that seem a little less expected.
It's extremely difficult to change the behaviors that got you into debt. Here are three of the psychological reasons why getting out of debt is so difficult -- and what you can do to combat your wiring.
Both experiencing the emotional loss of a loved one and the emotional loss of your financial life are similar in some distinct ways. However, the emotional stages of debt also have two additional components that a mortal death does not.
Several of the big banks will now take the initiative after you miss two payments in a row, and offer either a short payoff deal or severely reduced interest rate. You don't have to call them; they send the offer to you.