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The holiday season is fast approaching, have you paid off the balance of your credit cards that you racked up from last Christmas or the year before? Don't worry, you're not alone. Kerry K. Taylor, better known as the Squawk Fox provides 5 ways to screw your credit card companies.

Pay in Cash: Skip plastic altogether by spending what you have, not what you hope to have in the future. By keeping honest with your cash on hand you won’t be borrowing against your future to deal with high interest credit card debt.

Take a step to get your personal finances in order.