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Jax Back | Would it be sensible to get a bank loan to clear credit card debt? |
I have a hefty, and I mean hefty, credit card debt and am getting nowhere with a monthly repayent of 300. It expires in 2009 |
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cntrygirle8
 |
Your best bet would be to get a personal loan or something of the like from a credit union or bank ( CU's usually have lower rates ) and then pay off and get rid of the credit card because otherwise you would probably just rack up more debt. |
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howie r
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if the rate of the loan was less than the credit cards and you didn't just go out and use the cards again it would be very sensible. |
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sonofstar
 |
The only loan worth taking out to get rid of credit card debt is a secured loan (such as home equity or the like). Meanwhile, if you took the loan to pay off the debt, the only way this strategy is really going to help you dig out of trouble is to CUT UP the credit cards except for one and only use that in case of emergency (like the car dies or you're in an accident). Other than that, taking out a loan is just going to worsen the situation. |
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steven e
 |
yes. |
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Andrew
 |
Minimum repayment is normally 2%, so you might owe $15k.
If you pay $300, it drops to $14,700 then if your cards interest rate is 18%, you'll get charged about $220 so your debt goes back to $14,920. You could leave the debt to your kids.
If you migrate your debt to a low interest card (say 12%) and pay $150 or more, fortnghtly, you'll start to make a dent.
Ask your bank.
With the new card, don't carry it, leave it with your Mum.
Get your work to make your payments direct out of you pay.
Become a cash in hand operator - don't ever use a credit card again.
Get a cheaper girl friend and get a cheaper hobby. (Train spotting or quizz nights perhaps) and how much does your Broadband connection for you PC cost? |
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heybulldog
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Never get a home equity loan. You'll owe more on your house. Something happens and you cant make the payments, goodbye house.
If You cant make the payments on a credit card and all they can do is take you to court and garnish your wages. They can put a lein on the house but that only means that they get any equity if you sell the house. They cant take the house. |
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Sheik MaHand
|
In general terms, it would pay you to get a bank loan as the interest rate should be a lot lower than the credit card rate (6 - 7 % instead 0f 14.9%+).
The term of the bank loan should be fixed and at the end of it, you will have paid off the debt.
If you take this route, cut up your card or you will only be tempted to use it again and your debt will spiral out of control.
Be aware that the maximum length of time you can have a bank loan over is usually 60 months so you can get some idea of the amount of repayment if you go to a loan web site or look at a few adverts in the papers. |
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Rick B
|
What do you mean it expires in 2009? Not sure what that means. How will getting a bank loan help? That does not get rid of debt, it simply moves it.
The only way to pay off debt is to pay much much more than the monthly miimum.
Make the minimum payments on every one of them. On the lowest dollar value, put all your extra effort toward paying it off. Once it is paid off, then roll that extra money to the next largest balance. Continue this snowball until all your debts are paid off.
You proabbly need to cut your expenses back to the bare minimum. Get rid of cable, cell phones, internet, etc. Lower your electric bill, gas bill, water bill, etc. Don't eat at a restaurant until your debts are under control.
Try to increase your income by getting a second job. If you have a car with payments, get rid of it, and buy a good dependable used car for CASH.
Go to the library and get "The Total Money Makeover". Read it and follwo it carefully.
Go check out Dave's website as well.
www.daveramsey.com |
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Esmerelda
|
If you have collaterall you may be able to get a bank loan and the terms would most certainly be better than the credit card. But if you don't, you could try and get a credit card with better interest rate.
If you try for a debt consolidation loan, be sure and go with a reputable financial institution. There are so many scams on the net these days. But this is still a better choice than the credit card. |
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jmk1946@btopenworld.com
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interest on bank loans are usually/normally lower than the interest on credit cards and if paid via direct debit you know it will get paid |
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n p
|
Hi.
This is a well recommended site for loans and consolidation with no fees :
http://ukbestloans.co.nr |
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elflaeda
|
Do not do that. I tried, it doesn't work, it's a dark spiral. |
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S a l m a
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Wee Ste , why you should through your self into more debt ,
just ask this to your self and think for a while , any way if you
still need this loan , then it has to be with a specific terms and
cheap too not to increase your dept if you for some reason
couldnt pay or paid late , go to Only Best Deals , there you
will find just similar cases as yours , I am sorry I cant type the
link here so open google and type :
Only Best Deals
Now in search results the first line a site called Only Best
Deals open it and check the green titles on your right about
credit and loans , other wise use the top search box which
must lead you directly to your Answers , well lookin4anustart
I hope this help YOU . |
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