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According the, Americans racked up just over 5 billion in retail spending on their credit and debit cards during the 2003 holiday shopping season and that doesn't include store credit cards.

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A Santander 1|2|3 World customer is someone who holds one of our 1|2|3 current accounts, 1|2|3 Credit Card (including additional card holders) or the 1|2|3 Mini Account (in Trust). All customers must meet the eligibility for each product and 1|2|3 World offer. Please note that the 1|2|3 Credit Card is no longer on sale.

When considering debt consolidation, it's important to consider which one of the following is the most important to you: Santander can't guarantee that these options will reduce your overall cost of borrowing.

You need to consider the interest rates you're currently paying and compare these with the options here, taking into consideration any other product benefits you may lose.

Other personal loan purposes are available including; car purchase, home improvement and special occasion.

"Not only do people carry balances from month to month, but they continue to charge on the same card to compound their compounding interest problems."Escaping the Debt Set isn't easy, but it's the best path toward saving and investing for the future.

Besides, zero balances eliminate the stress of debt.

Representative example: Borrow £3,000 over 36 months. Or if all you need is an unsecured loan over a number of years then what about a personal loan, or a guarantor loan if you have had credit problems?

Or perhaps you know what sum of money you need, but don't know what borrowing options exist.

"Don't wait and think the creditor is going to go away."As long as your debt hasn't already been written off, some creditors may be willing to talk about debt settlement as your account becomes more delinquent because they see it as a loss risk.

But Jackey points out that if you act early, you may have other options, such as formulating a debt management plan that lets you pay the debt in full and salvages your credit score. Find out for free at my Bankrate."In this economy, creditors are often trying to do loss aversion, where consumers and creditors work together to have a positive outcome," she says."Any settlement for which the forgiveness of debt is greater than 0 becomes a taxable event," Graves says.

Everybody with a credit card knows it's smart to pay what you owe at the end of every month - right?