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See when the creditors will take away the derogatory information if you pay entirely. Over-the-limit fees are not determined by how high your credit limit is. It is usually a safer option than supplying your debit card information. Before you go on the spending spree with your plastic card, learn what credit limit usage percentage it is best to stay under to protect yourself from issues. The Federal Trade Commission endorses managing debt plans just as one effective vehicle for eliminating charge card debt. Ask the corporation to credit any previous charges if you could have been billed for almost a year for something you unknowingly authorized. Life could be difficult without a charge card if you intend to rent.