Believe it or not, experts say that the majority of U.S. citizens have at least one credit card and usually two or three. Credit cards have changed our way of life in so many ways, not all bad, in theory. But in reality, many consumers are unable to settle their full payment and carry a balance on their credit card from month to month; paying finance charges that can go up to a whopping 23 percent. Credit card debt is indeed a growing problem. The good news is that there are people who help with credit debt by providing Credit Card Counseling. The Credit Exchange Corporation as a debt consolidation referral service provider offer debt consolidation plans that truly work! Take a few minutes to see how their program can benefit you and put your life back on track soon.