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http://www.cpa-financial-debt-strategy.com - Interest rates are one of the keys to managing credit card debt. If you have a high balance on a high interest credit card, you are spending a lot of money to "borrow" that money from the credit card company. Additionally, the minimum payment that the credit card company calculates for you is only based on accrued interest, so if you only pay that, you'll never reduce your debt.