That's kind of a double-whammy kick in the head -- many people have the best of intentions when refinancing, but they haven't gotten grips on their spending. And when you're trading in your credit card debt for loans like that, you're putting your home at risk.

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When they finally hit the brick wall and reach out for help, they are worse off than ever.

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It's really ridiculous to charge your taxes just to gain frequent flier miles or any kind of other perks given to you by your credit card company.

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