 Excluding a mortgage, who has the most debt? I dont have any, my mother wont allow me to have credit cards.? |
I am a 40 year old virgin you know.
answers preferably in english pounds sterling.
Additional Details
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Jamie | Help paying off credit cards in order.? |
im getting $3000 for income tax returns and need help paying off these...
BB 809.16 19.8% APR
Dell 1,543.57 28.49% APR
sears 1,021.11 27.24% APR
Newegg 2,067.17 21.99% APR
need to know what i should pay off first and thanks for any help. |
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Craig T
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I agree with physicist
Pay off Sears and Dell, pay the remaining $435.32 on Best Buy
then concentrate on paying off the $373.84 on the Best Buy
after that work on the Newegg
The difference in APR between the Best Buy and Newegg isn't significant for the time you would carry a balance on both. It is better to have the 2 highest APR's totally paid and a 3rd card almost paid, especially from a psychological POV when trying to pay off debt. |
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Ashley S
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I would pay off your highest interest rates so that they balances don't keep rising and then the highest balances. so dell,sears(they keep jacking up their apr's),then news egg and bb. Though I would not close the accounts as this doesnt reflect well on your credit believe it or not(most people think its better but its actually not) Just make sure you dont use the cards or cut them up but still leave the accounts open. |
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physicist
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Pay off sears, dell, and most of best buy. Then in the next couple of months put all the money that would have used on those payments toward the newegg and get it paid off in a couple of months. |
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Jon M
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Hey.. payoff the Dell and Sears completly and close those out. Make sure they are closed. Then take the rest of the money and split it between the other two as an extra payment. Wait about 5 weeks and your credit score will get a big boost. Then you can apply for a 0% card to consolidate the rest of your debt. The higher score will help a ton. I did this recently at: http://instantcardapproval.com/
Still have 0% on all my debt. Hope this helps out! |
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Charlie
 |
If any of your accounts are past due you should get those accounts current before you do anything else. Assuming all your accounts are current you should pay off the accounts with the highest interest rate first (Dell, then Sears, then Newegg) |
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teresathegreat
 |
If possible, transfer all the balances to the card with the lowest APR (the BB card).
Otherwise, do the math:
809.16 x .198 = $160 in interest
1,543.57 x .2849 = $439 in interest
1,021.11 x .2724 = $278 in interest
2,067.17 x .2199 = $454 in interest
So even though the Dell account has the highest interest, the Newegg account ends up costing you more because you have a higher balance.
I suggest focusing on the two highest account - Dell and Newegg. They are costing you far more in interest, and that's just wasted money. Pay those off immediately. |
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saved_astronaut
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what i do, is focus on the AMTS in the bill. i pay down the sm debts 1'st then work my way up2 the lg.
1. BB 809.16
2. sears 1,021.11
3. Dell 1,543.57
4. Newegg 2,067.17 |
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Bart M
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smallest balance to largest balance. |
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lawrencegrossman
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Look on the internet for low interest credit cards. Only transfer the balance of the highest because they will pay the lowest interest rate first if you put more than one. Also pay the highest interest rate first yourself if you can't get another card. |
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