I had the habit of using credit cards to buy all of my household items, appliances and even to spend for my day to day expenses. I did not think about the service charges and the interest rates the credit card companies were charging. Also I had three credit cards in my hand and kept rotating the money. One of my colleagues who were also living in my locality came to my apartment once and I showed to him my credit card statements.
After seeing my credit card statements he pointed out to me where and how I was losing my money which I should have saved by that time. Then I got this idea in my mind that I must consult with a consumer credit counseling organization as they would give me much more better options of getting off my credit card debts and thus save a lot of money.