Christchurch librarian Philip Creed knows what it’s like to be stuck in consumer debt.
Over the years he has struggled with a credit card balance that was tough to shake.
There was the $3000 on a Mastercard, an American Express card with a balance that reached $3400, a Q Card, and a Visa used for everyday expenses that reached its limit of $1000.
For years, he kept up with the minimum payments on the bigger cards, but little more.
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