Credit Card Debts

How to stop credit card debt before it even happens

18. December 2011

Debts can gift you sleepless nights make you irritable and tense. Being deep in credit card debt sucks. Whether you went on some Blackfriday spending spree with your Visa card, or had to pay your bills with your MasterCard to make ends meet, ending up with an unheard of amount of credit card debt and [...]

Minimizing Credit Card Debts

22. November 2010

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Though purchasing a product through a credit card is comparatively easier than paying cash, falling prey to debts through credit card transactions is even easier. Having high credit card debts is definitely not sensible. The interest rates of almost all credit cards are very high. Most people pay only minimum payment every month and manage [...]

Lowering Credit Card Debt – 3 Tips To Eliminating Credit

4. November 2010

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Lowering Credit Card Debt – 3 Tips To Eliminating Credit Card Debt Eliminating your credit card debt is as simple as switching lenders. By finding better interest rates, you can shave off years from your payment schedule and save thousands of dollars in interest charges. With these three tips, even with the same monthly payment [...]

How To Get Out Of Debt More Quickly

10. August 2010

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Pay more than the required payment (make extra payments in the manner your lenders prescribe so you don’t lose out because of computer errors, etc.) focus on your highest rate debt first. Bi-weekly payments are an excellent means to pay extra principal almost painlessly if your paydays are weekly or bi-weekly, and if there are [...]

How do i get my credit fixed on this situation?

8. August 2010

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Here’s the problem – 3yrs ago, my neice who was 18yrs old at the time and needed a co-signer for a loan to get into a University – I was the go to person (nervous about doing it – i co-signed because she did very very well in high school and seemed to show promise [...]

How do I use a "Check Cash Advance" check from Bank of America? Can I use it to refinance my credit card?

8. August 2010

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I am a Bank of America customer, and I have a BankAmericard Rewards Visa credit card through and with Bank of America. Long story short, my APRs are 16% on purchases, 19% on cash advances. Credit limit is ,500, and I have a ,000 balance (with ,000 in purchases, ,000 in cash advances). I recently [...]

"Charge offs"!!! they say that they last 7 years on your Credit report, for me that’s next year should i wait?

7. August 2010

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I want to seriously start fixing my credit. However I have 3 ‘charge offs’ on my credit history since 2001. Do you recommend me holding off until they get erased next year (7th year) and…Would they really get erased???? please help!!!