Previous2 of 11NextPrevious2 of 11NextJeremy Woodhouse/Getty ImagesShreveport, LouisianaAverage credit score: 640Average debt: $41,204Average credit card balance: $5,122Credit utilization: 34 percentFREE TOOL: See your credit score now at myBankrate.
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Credit card costs can add up. These strategies can bring down the price of plastic.
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