SAN ANTONIO -- A lot of people are struggling with credit card debt.
Paying off credit card debt can be really frustrating, especially now that a lot of companies are raising interest rates.
Experts say the first thing to do is call a non-profit credit counseling agency like
Consumer Credit Counseling. They can put you on a payment plan and try to lower your rates.
Some credit card companies will also negotiate with you about how much you owe. But they may ask for payment in full, and it could hurt your credit score.
