Credit-card debt isn't always a sign of irresponsible spending habits.
But if you're not proactive in paying off your debt, it can damage your credit score and hinder your ability to build wealth.
To pay off your debt quickly, consider asking for a lower interest rate, consolidating your debt, or doubling your monthly payment.
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Americans of all ages are mired in credit-card debt.
Nearly half of Gen Xers are...
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