If you were a little, say, heavy-handed with the plastic this holiday season, you may find yourself regretting that behavior when the bills roll in. Why? Banks and credit-card companies must follow new federal guidelines from the Office of the Comptroller of the Currency that require minimum payments to cover interest and fees plus at least 1% of the principal. For the 7% of consumers who pay only the minimum, that will mean writing fatter checks. But what if you're sick of the whole plastic ride and really want to put a serious dent in your debt? Here's how to get...
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