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If you are having no savings to pay, the dues of the cards you need to go for debt settlement. If you are just able to pay the minimum due every month then you should go for the settlement because time will come when you will not be able to pay any bit of it. Sometime it happens that you have not paid the dues for several months and getting call from the creditors. You may even have to use credit card to buy things that you would have bought with cash otherwise. These all lead to the fact that you require to settle your credit card dues as soon as possible.


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