There are a number of things that consumers struggling to cope with credit card charges and other forms of debt can do.That is according to Yvonne Goodwin, managing director of Yvonne Goodwin Wealth Management, a financial advisory service.Ms Goodwin claims that people who are having financial problems should make a list of all of the amounts outstanding on credit cards and list the rates next to these amounts."If you have a clean record … then apply for a zero per cent credit card, with a view to [repaying] the expensive debt. However, you must then close your other credit cards - especially if you are prone to overspending," she said.Ms Goodwin added that if you are unable to obtain a zero per cent credit card, then it is a good idea to call a debt charity.People at these charities will be able to speak with your creditors and negotiate for you, she said.Charles BakerCharles is a reputed financial analyst with decades of experience under his belt.
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