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Review of the StepChange, Debt advice:

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Don't take on credit cards at all

When you need them it's gotten bad and you worry. But they really help you when you need it. You don't won't to be in depth and the banks cut you off with interest rates too high. Step change help a lot. But it should get like that. You banks give your more if you earn more but if you lose your job.then have to work 2 low paid jobs just to pay your bills. I wasn't spending the money on me Reviewed on: 23rd May 2025

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