Please choose the correct ending to complete the given sentence: Finance and Business: [header] How to work with credit card companies to avoid bankruptcy [title] Make a list of all your credit card debt. [step] It is important to face the total amount that you owe. Organize the list by credit card.

Ending1: Do not remiss good credit cards when making a full payment. Put a limit on your credit card debt, and keep track of the amount. Ending2: [title] Determine how much debt you owe each month. [step] Set aside 1 month for creditors to deposit the debt and 1 month for jointly paying the debt. Ending3: Write down the amount you owe, the interest rate, and how much you are paying in late fees and other penalties such as over-the-limit charges. If you are behind in your payments, write down how many months late you are. Ending4: This will allow you to keep track of a number of other creditors who may have the same debt as you. [substeps] As you narrow your list down, write down the most recent credit card debt you have.

Answer format: ending1/ending2/ending3/ending4