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Reporter, SmartMoney.com
FEEL LIKE TRYING to pay down your debt is a losing battle?
No wonder: Credit-card companies are quite inventive when it comes to charging fees or finding new reasons to jack up your interest rate. After all, it's how they make money. In 2005 alone (the latest year available), consumers paid nearly $88 billion in interest charges and penalty fees, according to Cards & Payments, an industry magazine. That's an increase of nearly 10% over 2004.
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