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careful you aren using your card too much.

Essington cautions that although rolling your credit card debt from one creditor to another with a lower interest rate may help you in the short term, you can borrow your way out of debt.

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"Also they need to pay close attention to how much credit they allowed," said financial specialist Brad Essington. "We see it all the time where folks have exceeded their credit limit and if we not properly managing that particular credit card and going over that, then that is a repercussion that the creditor is going to impose."

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If you feel you been on time with your payments, but your rate is higher than that, you should give your credit card company a call.

(WGEM) President Barack Obama says he will push for a law to provide "strong and reliable" protections for the millions of Americans who have credit cards.

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Louis Vuitton Turenne Pm

Experts say if you have good to moderate credit, your interest rate Louis Vuitton Turenne Pm should only be from about 7 to 10 percent.

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"First of all I think there has to be strong and reliable protections for consumers," Obama said. "Protections that ban unfair rate increases and forbid abusive fees and penalties. The days of anytime, any reason, rate hikes and late fee traps have to end."

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So what if your credit card company is charging you too much or raising your interest at an unreasonable rate?

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Louis Vuitton Turenne Pm

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