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Additional Details
oops...
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Additional Details
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SCUZE-ME | Should I build my savings up or pay off credit cards? |
I've come to a point in my life where I actually have extra money. I have two credit cards left to pay off, one with $1900 on it and one with $1100 on it. Should I make hefty payments and get them paid off quickly or should I build up my savings and pay them off when I have enough (taking into consideration that I'll still be making the min monthly payments)?
Additionally, I have one credit card that has a zero balance but they charge a $59.00 fee annually. Should I cancel this card?
I like the idea of having that line of credit should I need it. |
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Kathy S
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I would pay off the credit cards first. Otherwise, you'd be paying interest (or as I consider it, a waste of my money where I get nothing in return). If you start building up your savings account, you'd be earning interest, but not at the rate you would be charged on your credit card. About the other card with the annual fee, I'd cancel it and if you want another card, try to find one w/o the fee. Unless you pay the fee and get cash back or something for paying it. For example, the GM card has a 39 fee, but you get it back as credit towards a new car. Good luck with whatever you decide!! |
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thsp
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Pay off your credit cards...you'll be saving all that interest money by doing it now. Cancel that card with a $59 fee. It'll mark your credit score but not badly and you'll save $59 a year. |
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2eighty8 V2.0
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Pay off your credit cards first. They usually have an interest rate of at least 18% while saving accounts give you an interest rate of 4% if you're lucky. A good mutual fund will give you 14% but that's still not enough for the credit card interest. In the long run, you'll end up saving more money. |
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bdancer222
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Always pay off the credit cards first. Concentrate on the highest interest rate card first, while making minimum payments on the rest.
Cancel the card with the annual fee -- do it by letter and request confirmation that the account is closed and 0 balance.
Credit cards should never be used for long term finance. They are a short term convenience. Only charge what you can afford to pay in full each month. Save all that interest and stay out of debt. |
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Princess J
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Credit cards are the devil! Make sure you pay them off quick cause your APR is gonna kill ya. You will never save enough to pay off in one shot. On a credit card you buy something for $20 and you end up paying like $40...it sucks.
If anything transfer both balences to a 0% APR for a year credit card then you can save and pay that off at the end of the year. |
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Dep.
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You should pay off your debt so you're not paying interest that you would be saving and investing - that would also open up your credit line on those cards as a piece of mind; especially knowing you have no balance on them. Then you can put all your savings away for yourself and not use it to pay finance charges and past debt. |
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jcontrols
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No brain-er! Pay off credit to improve your credit score and save even more money by not paying all that interest! Annual fee? Close that account and cut the card up! You'll be amazed at how quickly you can accumulate savings! ;-)= |
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cmgraves16
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I would recommend that you try to pay a large sum towards your credit cards, since they would have a higher rate of interest that you could earn in savings. One thing that would help is to consolidate your debt and transfer them all do your zero percent interest card, and not used the others, unless it is an emergency. There are credit cards out their that have zero percent interest on transfers without the annually fee, and you could consolitate your debt that way.
Line of credit is a great thing do have in todays market and with technology, but is a double blade sword and people can easly get themselves in big finacial trouble. One thing to follow, is to pay off your debt and have one credit card. and pay it off every month and on time. By doing this, you are not charge any interest, and basically borrowing money for free. Some credit cards have rewards, and will be a benefit for you. But if you build up a credit card and pay the minimum, you are throwing away money, and those rewards are worthless. If you can't seem to pay off your credit card each month, then use only cash, (you spend less since its troublesom, and you are less prone to make a hasty purchase. and keep one credit card for only emergencies.
best of luck! |
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pagodaboy2001
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Pay off your credit cards because the rates that they charge are much higher than what you can earn through savings. Get rid of the credit card since you are not using it, why pay for something you dont' use. |
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goalzzzzzzzzzzzzzzzzzzzzzzzzzzzz
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of cos u pay 24% on creditcard
earn 2% on savings
quick clear ur debt and bcum debtfree = stressfree |
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madmike
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Due both. ie: 100 to card, 50 to bank. do not use cards - period! When you reach the half way point - pay balance and celebrate. Hold one free card and destroy the rest. The open a second bank account for your retirement
Think about this: you are $3000.00 in debt and paying close to 30% interest. How much do you earn? If you were to pay your debt in one year without interest the payment would be $250.00 per month. Check the amount of interest you pay on your bills and add that to the $250. Eyes open now? |
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PatyCakes
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cancel any cad from dept. stores... keep OPEN major ones like Visa, Master, Discovery, AmEx..etc.. the dept store ones are the one that screw your credit up. Keeping the major ones revolving, with a small balance and making payments to it monthly build your credit, which is what you want. Save a lil, pay a lil. |
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djanonymousclown
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You do not have extra money if you have debt. This is why america is so far in debt, people dont know what they are doing. |
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