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As we move deeper into January, when was the last time you used your credit card and how much did you spend?

Many people may have put their cards aside after a Christmas spending spree while others may continue to spend and increase their debt still further. It is vital that you look at your overall financial picture and credit card debt is often a big part of this. Even cutting back on the number of times you take your card out with you can have a serious impact upon your level of spending and can reduce your liabilities going forward.

If you think about it, the chances are if you have a borderline potential acquisition and you have your credit card with you there may be temptation to buy something you don't really need. However, if you do not have ready access to funds for those borderline acquisition then the chances are you will not be able to afford it and the decision will effectively have been taken out of your hands.

There are many small tricks you should consider when looking to reduce your credit card debt and access to your card is a very vital and very strong tool.

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