SolomonSuccess.comWithout researching chapter and verse regarding God’s point of view about credit card debt, the cold, hard truth is that those little pieces of plastic can generate a lot of stress and turmoil in your life without half trying. High balances, high interest rates, and usurious late fees combine with often chilly customer service to turn this “free” money into an albatross around your neck. The good news is you do have some leverage when negotiating with the credit card company for better rates. Try the following process.