How Much Will You Save

The following example illustrates the annual savings you could achieve by switching to a credit card plan with a lower APR and no annual fee. The average monthly balance used in this simplified example is around the national average for consumers with credit card debt.

By switching to a credit card plan with a lower APR and no annual fee, you could save $120 annually. Of course, this example assumes that the interest rate is applied to a constant balance of $2,500 and that you make all payments on time; if you paid down some of the balance each month, the amount paid in finance charges annually would be less. Also, if you make a payment late, you may incur additional fees that will increase your cost.

Credit Card Focus has teamed with CareOne Credit Counseling^SM services (an industry leader) to help people get out of debt the smart way.

• Reduce interest charges
• Lower your monthly payments up to 57%
• Consolidate your debts into one easy payment