Posts Tagged ‘debt consolidation’

What credit card would you recommend for someone trying to re-establish good credit history?

Monday, February 22nd, 2010

Tamborine asked:

I have decent credit but I had cancelled all my cards when trying to get out of debt. I am now free of all unsecured debt but I need to have a card so in the future I won’t be hurt by having no credit.

I’m thinking I want a card with no annual fee and a low APR. The card would only be used very occassionally and paid off immediately. I have no desire to repeat previous mistakes.

Does anyone have any recommendations for a good card for this purpose?
Okay, as I said, but everyone is skipping, is that I have decent credit. My credit score is 700.

When I got into trouble I went into debt consolidation right away BEFORE my credit got screwed up.

But I do appreciate those of you who are taking the time to answer.

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Posted in Credit Cards Online | 11 Comments »

How To Eliminate Credit Card Debt

Monday, October 12th, 2009

Here are 7 common sense guidelines to eliminate credit card debt:

  • DO make a budget listing all your fixed expenses. Rent or mortgage, car insurance, car payments, cell phones, utilities, day care, fixed loans, etc. Then try to estimate a reasonable budget for discretionary items like food, drinks, dry cleaning, etc.
  • DO make a second list of all your outstanding balances and sort by balance, minimum payment, and interest charges if you have multiple credit card debts. (more…)

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3 Easy Steps To Apply For A Credit Card Online

Saturday, October 10th, 2009

The proliferation of credit cards can be attributed to a lot of things, as a matter of fact; most Americans own more than one credit card. Its convenience of use, fast and easy application has produced more credit card owners in our society compared to the previous generation.

Having websites that offer online applications for credit cards have also been great swaying factors in making more Americans think about getting a credit card. And why not? (more…)

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Credit Card Responsibility

Wednesday, June 25th, 2008

Great responsibility comes with having a credit card but with the number of people who have a credit card at an all time high as with the spending it was obvious that the debts would soon follow. The swipe and spend culture has created massive debts and people are now realizing just how foolish they have been just spending indiscriminately. (more…)

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The Easiest Method of Debt Consolidation

Saturday, June 7th, 2008

The percentage of people who own at least one credit card increases every year but there again, credit card debt is also at a record high as well; making repayments is becoming difficult for a large number of people. People now owe thousands to finance companies because they do not realize they are spending beyond their means and by the time they do come to realize, the damage is already done. Unfortunately, by the time many people realize just how bad the situation is, a credit card debt relief answer might not be possible. (more…)

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Inability to Pay Credit Card Debt

Monday, May 19th, 2008

In recent years the inability to pay credit card debt has become a problem for many millions of people. This increase is due in part to the ease with which cards can be applied for, and issued. People now owe thousands to finance companies because they do not realize they are spending beyond their means and by the time they do come to realize, the damage is already done. Before the situation goes too far, seek a credit card debt relief solution to the problem. (more…)

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Posted in Credit Card Dept | No Comments »