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Carrying credit-card debt has become increasingly expensive over the past several years, but some warn that lower interest rates could reduce credit access.

“I bring in $7,200 a month from my pension and disability benefits.”

“What are the negative consequences of a second bankruptcy?”

“We have around $375,000 in investments in mutual funds and stocks with Morgan Stanley.”

“I have $3,000 in gold and Social Security income for me and my spouse makes $46,180 a year.”

“I previously drove a fully loaded BMW X7, and driving a used Lexus feels like a big drop.”