My Credit Card Debt Is $2500. My APR Is %23.49. Can U Give Me Any Tips Hints, Should I Do A Transfer?
February 8th, 2009 | 
Author: Please name a few options that i have to help me eliminate debt. After all expenses of the month, I have about $330 left from my paycheck. I wonder if I should do a balance transfer or if there are any other options. thanks
Discover is running a deal, Zero 0% for life on transferred balances.
Here's the number: 800-347-3026
It's the best deal now.
Posted in eliminate credit debt
Discover is running a deal, Zero 0% for life on transferred balances.
Here's the number: 800-347-3026
It's the best deal now.
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You could consilidate your debt into a lump some. Don't ever transfer any debt to another credit card, that's just stupid. However, your APR is really high, so it might be easier to transfer it to something else with a lower APR.
Furthermore, You shouldn't be spending money you don't have.
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your credit Annual Interest is 23.49%, which is mean that if you drag your credit card debt in four years, your bank will earn 100% of your debt amount.
Try to look for some personal loan from bank which is normally much more lower than Credit card interest. Let said you are able to find some personal loan of 10% per annual. then you will save already 13.49% per annual.
Otherway is refinance your property to get extra cash to pay your credit card debt, The most important thing is stop using your credit card to buy unnecessary stuff if you do, u must pay it all in next instalment.
third way is to earn extra income by looking for part time job or other business opportunity to expand your income
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A balance transfer would be your best option probably. Your next step should be to stop using those credit cards and start using check cards or cash for everything. I used to have credit problems, and found that when I stopped using my credit cards for everything, the problems disappeared.
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if 1-800-347-3026 doesn't work, contact company and ask for reduced rate. Most will give it. You can also call them every 3 months requesting a lower rate. Watch transferring balances (sometimes a $50 fee).
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I suggest you to apply for a "0% For the First Year Introductory Offer" Credit Card as soon as possible and transfer the balance as soon as you get the credit card.
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imagine this.. if you were born in the year 9000 you would have a machine or a robot that knows all the answers and u woulnd't need to ask questions anymore!
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