Is there a way to consolidate my credit cards and get a lower payment without affecting my credit?
Debt Credit Card
Online Credit Card Debt Help
10-Oct-2009
10-Oct-2009
Is there a way to consolidate my credit cards and get a lower payment without affecting my credit?
try to get a gold credit card from Citi, who are offering 0. 9% balance transfer rate until September 2008
I hope it works.
but if u cannot CITICARD still conslidation credit card is better than paying the minimum payment
transfer the balance to a new card with 0% Intro APR for balance transfer. pay the monthly minimum time to build your credit. Be sure to read all term in relation to the rate. Once the introductory period for transfer to the final again.
This sounds like an idea that might help, but remember it big here. . . You can load up the credit cards again or will be in deep debt. Good luck and God bless!
Not without affecting their credit, no. XS recommend debt. What is your level of credit now if you can not use because it is out of control. You must make debt consolidation / management credit repair then. I started with the free form at www. totaldebtsolutionsllc. com and put me in contact with a company that helped me get out of debt in 36 months.
Your best just to pay em off one by one. Make min. payments on all but the smallest and pay the least as fast as possible. Then go to the next smallest.
The reason to pay the lowest amount first is the feeling of getting somewhere. do not worry about the interest rate because thats not the real problem.
I wouldnt use one of these so called "debt consolidation" sites either. The fees they charge are best used to pay its debt. Also if you go with one of these places and they do not pay your creditors You and only you are still liable for the debt. They will not sue the company you hired.
What most if not all of these companies actually do. Is not it pay its creditors for months and then try to settle your debt for less. By then the credit is garbage and will be treated as if you filed bankruptsy.