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Just recently I am receiving several credit card offers through mail and sometimes through phone. I am now numbed with those mails and I don’t even bother to open it. I shredded and then threw to the garbage.

I have now three credit cards and I am having difficulties paying my monthly due. Why are they still offering when they know that I can’t pay anymore. I have decided that I am going to do a balance transfer so that I will be paying only one credit card. And I will do that in the following days.

It’s time to be wise financially. I have to act the way it should be.