 Please someone tell me a way to get out of the payday loan crunch when payday loans eat up a big part of my? |
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Additional Details
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Does anyone know a way to use a credit card to pay off a credit card and in the process no interest is accumulated?
Additional Details
Lets say I have two credit cards. I use one and ... |
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 PayPal, eBay question? |
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 Should I ditch Capital One, and get a new credit card? |
Hey Guys!
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Labgirl5000 | What is the easiest way to payoff credit card debt? |
There are tons of credit card offers at 0% on transfer balances, is this the way to go? I know, read the fine print.....What's the most logical way? |
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grierGRIER h
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It is important that you take steps to get your debt under control before you end up in serious financial trouble.
Find a Way to Get Better Rates
One way that can help you get rid of the credit card debt that you are in is to find a way that you can get better rates on your credit cards. You can do this by trying to find a credit card that has lower rates than your current cards, and then make transfers over to the card with the lower interest rate.
Another way you may be able to get better rates is to try to negotiate with the company or have a credit counselor negotiate with the company to get you better rates on your card. While you may not realize it, having a lower rate can actually save you hundreds of dollars and can help you get out of credit card debt much faster.
Eliminate Debts One By One
If you are wondering how to eliminate credit card debt, another way that can be a great help is to start working methodically to eliminate your debts one by one. You can choose either to pay extra on your card with the lowest amount of debt or you may want to pay more on the card with the highest interest rate, but whichever way you choose will be a great way to help you get out of debt much faster.
Debt Consolidation
If you are serious about getting rid of your credit card debt once and for all, you may want to work on getting a debt consolidation loan. This method of elimination will help give you lower interest rates, a regular payment schedule, and you will only have one easy payment to make each month. This is a very easy and effective way to eliminate the credit card debt that has been causing you so much trouble.
Control Your Spending
When many people ask how to eliminate credit card debt, many times they are already overlooking very simple solutions that can help them. One very simple and common sense solution that can help you eliminate your debt is to control how much you are spending. If you want to get rid of your credit card debt, then you should not be spending more money on credit cards. Try sticking to paying cash for everything possible, and you may want to start saving money and putting it away for emergencies as well, so you will not even have to use a credit card if you have an emergency. Read more from: http://www.credit-card-gallery.com/article/195,4_Tips_on_How_to_Eliminate_Credit_Card_Debt |
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ZinaRae
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Don't pay the highest balance!!! Pay the highest interest rate first! make accelerated payments; stop using the cards for awhile. If you stop altogether, it will hurt your FICO (credit) score. But whatever you add needs to be paid off along with the accelerated payment. You can work your way through this. It will take time, and a very mature attitude. Good luck. |
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Chuck T
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Don't use your cards , concentrate on paying off the highest interest card first by making minimum payments on the other cards and applying all the extra you would have payed toward the card you are paying off. Repeat as the cards become paid... |
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*****
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Pay as much as much as you possible can pay ABOVE the minimum. That is the only way to decrease the amount, otherwise all you are doing is paying interest, and taking little to nothing off the principal. |
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jvketch
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you know there is an amount for you to pay, so huncker down and just get it done. Always remember , if its to good to be true , then it most definately is. So god be with you and do it. |
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MARIA T
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you can use 0% transfer balance but these offen have a transfer cost so check. the other way is to use any savings you may have as they are probly earning less interest than what your debt is costing you. |
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Connie
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It's not always that you can demand lower interest rates from credit card companies. It all involves with your credit score, behavior score and the rates are compatible between one credit card companies to another. You can certainly try if you missed one payment from one credit card and they raised the rate but only if you're paying on time with another. That's the only time you can demand lower rates.
They don't care if you threat to move the balance to another card. When you move to another card, only if you have an exisiting account with that company but if you have to open another card, doesn't mean you will get the approval and the credit line that you need.
Credit card companies have record of everything cards you own. If you're late with all of them, chances are you can't demand lower rates. They also know how often you transfer balance or whether you're a rate surfer. They know that others will offer the similar rates. Rate surfer will not get a decent rates if they know you keep moving balances from one card to another to avoid paying interest. That's how credit card companies making money. Some people have no cap fees for transfers others do all because of how often you transfer your balances. They will get you one way or the other.
If you're willing to pay a transaction fee for balance transfers then transfer the high interest rate to the card that offers 0%. Use this card strictly for transfers and paying it off as soon as possible. If you have a 0% in one year, divide the balance to 12 months and make payment each month on time. That's the only way to pay it off fast. Don't use the card for purchase because everything you buy, when you make the payments, it only allocate to the lower APRs before balance with higher APRs, you'll be right back to square one.
You can do it on your own. All you need is discipline. Good luck. |
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Michael T
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This is definately not the way to go. You should concentrate on paying off the cards with the highest interest rate first. Once you get the first one paid off you will be suprised how fast the others will get paid off. If you would like to learn a little more about credit repair there is a good ebook you can download for free at http://www.your-credit-solution.com . |
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petunia1354
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Call the card company and be firm and ask/tell them you MUST have your monthly interest rate lowered or you'll have to move your balance to another card you have that only charges: 6.5 % a month. If they offer you 7% take their offer !!!
Then everymonth pay 40% more than the minimum balance!!! If your minimum is only $10 on a 2K$ debt, then try to pay a larger minimum, say $40, then X 40% is $16 more -- so pay $56 per month and MAKE NO MORE CHARGES -- CUT UP THE CARD or FREEZE it in the middle of a gallon milk jug in your freezer -- that way you'll have time to think about what you're doing while it thaws out and maybe by then the "buy it" itch will wear off !!!
If you can only afford $25 min a month then X that by 40% which = $ 10 / and send in $35.00 each month!!! If the tooth-fairy leaves you some cash, go buy a money order, write your acct # on it & send it to the CC company!!! You'll pay it off in a year or so and then NEVER USE ccS AGAIN -- EXCEPT FOR real emergencies !!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!! |
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sportsstar4u
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I'm going to tell you the easiest thing to do that will get you out of debt without getting a loan and while helping your credit score.
Contact InCharge Debt Solutions: www.incharge.org
They are a non profit credit counseling company and they will take all of your bills and lump them in to one payment each month. They also work with all of your creditors to get your interest rate dropped. Then you pay InCharge once a month and they distribute all of your payments on time for you and you only pay one person, thus making more time for you to work.
They do ask for a $40 donation per month, but it's voluntary and not required. Give them a call, they helped me once.
Also, they got my interest rates on my cards dropped from like 19.9% to around 6-8% which helped me a lot. |
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?
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You can do this - and just keep changing cards when the offer expires. Do not use the card any more - unless an emergency arises. When you are no longer using a card, write the company a letter to cancel the card - and request a letter of cancellation from them. Keep the card you are trying to pay off (which will have a $0 balance after you transfer the balance). Having a credit card (and using it for small amounts that are easily paid off) for a long period of time looks good for your credit. Paying your monthly debt - twice as much as the minimum if you can swing it - on time each month is the best way to maintain or fix your credit.
Good luck! |
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