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By CardRatings.com

You've been good. Your credit cards are current. Up until now you've had stellar credit, and you've been able to charge purchases to your credit card without giving it a second thought.

Now, it's uh-oh time.

You didn't see your employer headed for financial trouble. You're hanging on, but you've taken a huge pay cut.

Or you weren't paying attention to your monthly statements and that zero-percent promotional rate on your balance-transfer credit card has run out. You still owe big time.