 You're listening to Animal Radio. Find us at AnimalRadio.com. Log on, learn more. Would you like to pay lower fees and interest on your credit cards? Of course you would. Are you making more money than you were a year ago? If you're like a lot of us out there, barely living paycheck to paycheck, I doubt it. It just costs more to live today, and you're probably using your credit cards more. To help you, the credit card companies have issued the Credit Card Hardship Program.