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Given that you may need to solve both your short term issue related to and the offers on this page may do so, here are some ideas for longer term issues. Stay away from carrying a credit card balance. Between their late payment fees and outrageous interest rates, you can almost never get your head above water while carrying that kind of debt. Spend on essentials before you spend on 'goodies'. Once you know you have met your basic needs on a cash basis, you can then purchase the fun stuff so long as you don't go into debt. Don't forget to set up regular payments to a savings plan. Savings will help you through the occasional 'rainy day'. The two part plan of (a) disciplined spending and savings; and (b) lowered interest rates for current debt could result in your not being further burdened by bad card credit credit help.

You may find the 2006 Consumer Action Handbook published by the federal government is helpful in learning more on credit related issues. You will be very pleasantly surprised by the breath and depth of information in the report to help the average consumer. The companies represented on this page provide some interesting propositions which could be helpful for bad card credit credit help or other finance related issue.