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Do you find yourself like so many others just barely making your minimum payments on your credit cards? Around seventy percent of Americans rotate a balance on one credit card and forty five percent only make minimum payments on any of their accounts each and every month. Your credit card balance can really take many years to pay down when you are only making minimum payments.

But, you can use a low APR credit card to enjoy freedom from debt. The first step of course is to learn to live within your means and plan a budget that you can stick with.

Now, you know who much you can afford to spend monthly. Now search out credit card companies that offer low APR credit cards. Be sure that it is not just a promotional ploy to get your business and then apply. Once you are approved you should be able to transfer your balances from those other credit cards that have you in higher interest rate bracket. If you have a balance of $9,000 at 19.99 percent versus a low APR credit card with a promotional APR of 1.9 percent you will save over $1,600 your first month.

Now, comes the hard part you now have an extra $1,600 to play with. Instead of spending this money to go into debt even further, use it to pay down your principal. This money that you are saving in interest can now be applied to the principal and as long as you do this instead of spending it on other things you will see your debt disappear.

A low APR credit card is not an over night fix for your financial troubles, but there is no quick fix. It took you awhile to get your finances in this array and it will take time, discipline, and budgeting to get your spending habits under control.

A low APR credit card will save you money, repair your credit rating and give you the freedom of becoming debt free.