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5 Surefire Ways To Eliminate Credit Card Debt
Do you have enormous credit card debt? You are certainly not alone. According to research, the average family in the United States has $7000 in credit card debt and pays about $1000 in interest each year! Throw in a late payment or two, or an...
Best Car Loan Rate - How To Get The Most From Your Credit Score
Your credit score is the most important factor to getting the
best car loan rate. Many shoppers make the mistake of going to
the car dealership and applying for a loan before checking their
credit report and score. By checking your credit score...
Credit Report – How Your Credit Score is Determined
Most consumers are aware that they have something known as a credit report that is used to determine whether or not they would qualify for a loan. Fewer are familiar with the FICO score, a creation of the Fair, Isaac, and Co. which distills their...
Debt Help Online - How To Rebuild Your Credit By Consolidating Debt
By consolidating your debt you can rebuild your credit by making
on time payments, paying off your debts, and increasing your
cash reserves. Depending on your debt load, you can improve your
credit situation within two years, enabling to qualify...
Use Your Credit Cards Responsibly
With Americans going deeper into debt every day, usually thanks to uncontrolled use of credit cards, you may wonder if there is any good way to use a credit card. If so, how can you control your credit card debt, as opposed to letting it control...
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Balance Transfer Credit Cards And Their Rewards
If you haven't been credit card shopping recently, you'd be
amazed at the variety offered today. In addition to the
different interest rates, the extent of rewards or perks offered
is vast. There are cards offered to fit everyone's needs. Good
credit, bad credit, in between, 0% APR introductory offers, sky
miles, cash back,... just to name a few.
Of course the financial experts would tell you to watch that
credit card debt, pay off the balance every month so you don't
have to pay interest. If you do have high balances the experts
would also tell you to take out a loan on your home so you could
get a lower interest rate and tax advantage too. But that's not
always realistic or possible for some. Perhaps they just bought
their first home and the equity is limited. There could be a
number of reasons why the professional financial advice just
won't work. So what to do?
What if you just purchased your first home and your credit cards
had balances with interest being accrued each month? Then say
you like to travel, but you have these bills. Could you plan a
trip in the not too distant future? I believe you could.
Most of the credit card companies today have 0% APR
introductory
offers. This rate is good for six to twelve months and many
times is valid for balance transfers and purchases. In addition,
many offer rewards such as air miles.
First figure out the most you could pay each month on these
accounts combined. Apply for a card that offers 0% APR for
twelve months and transfer the balances that are accruing
interest to this new account. Now remember, you're saving
interest each month. Then you could use the credit card as much
as possible for daily expenses, keeping track of and setting
that amount aside each day. At the end of the month, you should
pay the amount determined which you could afford on the balance
transferred and then pay the entire amount charged for the
monthly expenses.
By doing this, you would be paying off the older balance with a
0% interest rate and earning rewards at the same time. At the
end of the twelve months you may very well have enough points to
take that planned trip. Your credit card balance should be paid
off almost completely.
When things seem out of reach, you can achieve them, as long as
you have a plan.
About the author:
Bradley Carson is an internet marketer. http://cards-king.com/
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| News and resource directory about credit unions. |
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| Credit/Debt Management - Tools and Advice for Managing Credit and Debt |
| Drowning in debt? Trying to improve your credit score? This is the place for you. Get real world information and tips, as well as the legal low down, ... |
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