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if you are carrying credit card debt currently itamp;#39;s really important to make a plan to pay it off so where do you start Kimberly Palmer with nerd wallet dot-com says it all starts with your cards interest rate averages around 17 or 18 percent she says talk to your credit card company ask for a lower rate if you have had the card for a long time and itamp;#39;s in good standing so youamp;#39;ve been making regular payments every month you do have a pretty good chance of having them say yes also make at least your minimum payment monthly but try to pay more that extra goes towards principle meaning youamp;#39;ll pay less in interest and Kimberly says check out better offers many cards offer a low or even 0% balance transfer interest rate for the first few months itamp;#39;s can be a really great thing to take advantage of but you always want to make sure you pay off your debt during that introductory period weigh your current interest rate against the new one and then add in