Credit Card Debt and How to Fix It
We’re living in a throwaway society hellbent on spending money we don’t have for things we rarely need, and this attitude has led to a lifetime of debt for millions of Americans. Credit cards are at the epicenter of this issue and have contributed billions of dollars to America’s rapidly escalating debt crisis. Start lowering […]
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The Difference Between Credit Card Refinancing and Debt Consolidation
Average credit card debt in the US changes depending on who you ask and where they get their information. In 2019, Experian estimated this to be $6,194, while a leading credit site produced a figure closer to $8,000. At the same time, data pooled from the US Census and Federal Reserve calculated a more modest […]
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Consolidation vs Balance Transfer: The Best Cards and Loans
Debt consolidation comes in many forms, from debt management plans to consolidation loans and balance transfers. Your credit history and debt-to-income ratio will dictate which option is best for you, but for debtors not experiencing financial hardship, it’s a choice between a balance transfer and a debt consolidation loan, two options we’ll compare and contrast […]
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What You Need to Know about Credit Card Hardship Programs
Good intentions don’t pay credit card bills. It doesn’t matter how frugal and committed you are, if you can’t work and earn, your bills won’t get paid. It’s an unfortunate fact of life that millions of Americans have to deal with every single year, but there are some programs to make this period easier for […]
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What You Need to Know about Secured Credit Cards
When used responsibly, credit cards help us to build credit, but there’s a catch. You need good credit in order to qualify for a credit card. So how do you get around this catch-22? Start lowering your credit card debt today. Behold, the middle child of paperless transactions: the secured credit card. A secured credit card differs […]
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Guide to Credit Card Debt Consolidation
If you’re anything like the average American, it’s likely that you are in debt to some degree. If credit card debt is the root of your financial problems, it might be time to consider credit card debt consolidation. Start lowering your credit card debt today. What is credit card debt consolidation? Credit card debt consolidation is […]
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Minimum Payments on a Credit Card
Your minimum monthly payment is the lowest amount that you need to pay on your credit card balance. Any less could result in a derogatory mark, any more will clear more of the principal. Start lowering your credit card debt today. Your monthly payment is one of the most important aspects of your credit card […]
Read MoreHow to Lower Credit Card Debt without Hurting Your Credit Score
Whether your credit card debt is $5,000 or $50,000, paying it off safely is possible as long as you strategize carefully. There are many ways to go about lowering your credit card debt, however, one common fear is that doing so will damage your credit score. Start lowering your credit card debt today. While this […]
Read MoreCredit Card Debt FAQs
The US is drowning in personal debt and a significant portion of that debt is tied to credit cards. The average household has over $8,200 worth of credit card debt, accounting for a significant percentage of the $13.5 trillion US consumer debt. Start lowering your credit card debt today. Whether you’re battling with this issue […]
Read MoreCredit Card Interest Calculator
On this page you can find a credit card interest calculator. We’ve also included some information about card interest to better assist you. Start lowering your credit card debt today. How to Calculate Credit Card Interest To calculate how much credit card interest you’ll pay without using our credit card interest calculator, follow these three […]
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