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Craig L | I have 3 credit cards. 1 has 5,000, 1 has 2,600 and another with 1,500. What is the best way to pay them off |
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ME!
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Get multiple jobs & work very hard.
Make sure you don't make this mistake again by realizing that a credit card doesn't = free money. |
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#48
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you could consolidate all of them onto one card (which ever one has the lowest interest rate) or get a loan from the bank and pay the bank back |
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Foamy4President
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what are the rates on them? That is very important when determining how to pay them off. Also, what are the limits.
Based upon balance alone, start with the 1500. Pay min payments to the 5kand the 2600, and make larger payments to the 1500. Also, try to negotiate better rates on all 3 cards.
Once the 1500 is paid off, apply that same payment, plus minimum payment to the 2600. so if min was 50, you were paying 100 on the 1500, your new payment on the 2600 is 150. Then once its paid off, do the same to the 5000. add the 150 to the minimum payment on the 5000 and keep paying, so if that one was 75, your new payment would be 225. And again, the entire time, try to negotiate lower rates on the cards, or if your able to do a 0% balance transfer, with no transfer fee, that is also an option. |
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appstate
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Use a technique from Dave Ramsey called the debt snowball. I know it works because I have paid off $56,000 in 19 months using it. Here is how to do it.
1. Put the cards in order from lowest balance to highest so it will be card w/ $1,500 then $2,600 then $5,000.
2. Pay the min. on the cards that are 2ND and 3rd on the list.
3. Pay as much as possible on card one. You might have to get a 2ND job for the time being.
4. When you pay one card off roll that payment into the next one.
What this does is motivate you to pay them off. Having them in order like this is like a scorecard and you really get motivated when you mark one off your list. You will feel like you are winning this way and you are more likely to stick with it. Before you start this cut up all of your credit cards.
Don't worry about the APR like most people says if you were that worried about it then you would have never used a credit card in the first place. Getting out of debt is changing your behavior and this will get you motivated to get out of debt and stay out. Don't put the balances together because you will not have the small victory's like you will this way.
How do you eat and elephant?
One bite at a time and that's what you need to do here. Get mad at one card and pay it off then move to the next. |
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Dr. Deth
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any amounts you can afford to pay over the minimum, pay extra on the card with the highest interest rate, until it's paid off, then do the same for the next highest rate card, etc. keep the cards once they're paid off, but lock them away and don't use them - if you close them out with no balances, it will hurt your credit score, cut out non-essential spending and maybe get a second job |
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Nellie
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Well, um... do you have any real money? Are you earning an income?
At the least, make your minimum payments on time. If you can afford to pay off more, find out which card has the highest interest rates. |
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meandevil69
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i say if u could do a balance transfer on them and consolidate them |
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XoxoxoxoX
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What are the interest rates on all three accounts? I can tell the minimum requirements for each should be $100, $52, and $30. Are they right? If not, please provide info. How much can you afford to pay each month?
Give more details on your question before you can REALLY get a good answers. Re-post it.....with details. |
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private
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Since your annnual percentage rate will "jump" and the end of
the year. Pay more to get the 5,000 paid off first, while still
paying on the other ones, also. Take all three out of your
wallet, and don't use them intil they are paid off.
If that don't work for you. talk to your bank and consolidate
them into one. and ask for a lower interest rate to pay the
balance off. They often work with you on this to keep you as
a happy customer. <}:-}) |
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Shazam365
 |
Pay the highest interest rate first. |
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Luke Skywalker
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With money.
JK, have you thought about consolidating? some credit card companies will drop the interest rate if you show you're willing to pay them off through consolidation. |
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src50
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Make sure you make the minimum payments on all to avoid hurting your credit rating. With your additional available money, pay off the ones with the highest interest rates first. |
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KingHenry ll
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Consolidate them together. Then, having a 9,100 balance, and make one payment monthly towards the principle. |
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Syra
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What is the APR (annual percentage rate-aka interest rate) and have you done any cash advanes on any card?
Pay off cards with cash advances first if any, and then with the highest APR on purchases.
Most importantly do not take any cash advances due to the higher APRs that are charged.
It is ok to transfer to a new card with six months zero interest, but then close a card. Remember to cancel unused cards.
If you don't put them all onto one card, pay your minimum payments on all of the other cards as well. Some people need to have a seperate cards so they can have accomplished part of it. Remember- if your using another card to save money to pay on the one it isn't really savings at all.
If your paying off debts look at your spending habits too. Getting out of debt if only half the goal. Putting money back for the things that will put you into debt again is the other half. |
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Tommy G
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In my opintion credit cards are the devil, and the only thing that is worse than the cards them selves are the interest and finance charges of them. So cut them up after you get them paid, don't buy what you can not afford.
My first question would be which one has the highest interest rate? Second, are any of these cards average daily balance interest bearing cards, if so which one(s)? Third calculate your cost of having the debt.
(APR divide by 12 muiltiply by monthly debt equals your monthly interest expense)
The higher the interest expense means this card is the one you want to pay off first.
Consolidating your debt is alot of time the best awnser to these naggin problems. Look at a financial lending company or a credit help company in your area for assistance. |
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Charlie4590
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Use the one with 1,500 to pay off the other two. Then you can consolidate all your debt into one. I don't know how you'll pay it off, but at least it looks prettier to have a one card debt than 3. |
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david c
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to be honest
u could start by working really hard
to get a lot of money |
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