Credit card companies typically do anything to get you to take on their card and spend, spend, spend. Capital one have recently introduced a new credit card to entice credit card users by offering cash back. The card will pay back 1%, however be aware that it also comes with a steep fee of 18. You do however get a reward of 10 each year, which brings this fee down to 8. If you want to get back around 90 then you need to spend a whopping 10,000 on your card in that year.

With many individuals falling into debt with their credit cards each year, a 90 cash back incentive means nothing. If you are struggling with rising credit card debt then you may want to look into credit card debt management. This is a plan that will allow you to pay off your credit card debt over time. Of course, if you start debt management you may want to cut up your card to resist spending on them anymore.

Credit cards are not the only problem when it comes to debt. Unsecured loans, store cards and home shopping can also cause debt distress. If you are in debt with any unsecured debts, including credit cards, then you might want to work on your debts with debt management advice.