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	<title>Comments on: Apply For Credit Card</title>
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	<description>Get access to our low interest rate credit card information at any time of day or night. Hundreds of low interest rate credit card questions have been answered here.</description>
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		<title>By: CREDIT CARD HELP &#62;&#62; Credit Card Help Tips &#124; Credit Card Help Guide! &#124; Credit Card &#124; Low Interest Rate</title>
		<link>http://lowinterestrate1.com/apply-for-credit-card/comment-page-1/#comment-177</link>
		<dc:creator>CREDIT CARD HELP &#62;&#62; Credit Card Help Tips &#124; Credit Card Help Guide! &#124; Credit Card &#124; Low Interest Rate</dc:creator>
		<pubDate>Thu, 25 Jun 2009 13:07:03 +0000</pubDate>
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		<description>[...] If your rates have gone up and there’s no way to change them, and credit card debt is threatening your financial well-being, you might want to consult with a credit counselor to help you get out of debt. Legitimate credit counseling firms are affiliated with the National Foundation for Credit Counseling or the Association of Independent Consumer Credit Counseling Agencies; Unrealistic promises. Some companies falsely promise that you can settle your debts for little or no money, without hurting your credit rating. Legitimate credit counseling services help you pay back what you owe, albeit at lower interest rates, and acknowledge this is likely to effect your credit rating and ability to obtain new credit. [...]</description>
		<content:encoded><![CDATA[<p>[...] If your rates have gone up and there’s no way to change them, and credit card debt is threatening your financial well-being, you might want to consult with a credit counselor to help you get out of debt. Legitimate credit counseling firms are affiliated with the National Foundation for Credit Counseling or the Association of Independent Consumer Credit Counseling Agencies; Unrealistic promises. Some companies falsely promise that you can settle your debts for little or no money, without hurting your credit rating. Legitimate credit counseling services help you pay back what you owe, albeit at lower interest rates, and acknowledge this is likely to effect your credit rating and ability to obtain new credit. [...]</p>
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