Credit card debt got you stressed? Debt relief companies promise help — but what can they actually do for you?

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The annual fee for the Sapphire card will jump 45% to $795. Amex did not say if there would be a fee increase.

Some of that was credit card companies upping the ante to try to keep their customers hooked, despite the inability for them to go out and spend. Some places offered more points per purchase ...

You may hear from a debt settlement company if you have a high credit card balance or have missed payments. Often, these organizations promise to resolve your debt for pennies on the dollar.