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Archive: Credit Card Debt
The good news for people who use credit cards is that there are laws the credit card companies have to follow. These laws protect your consumer rights and keep credit card issuers from taking advantage of you. Credit Card Accountability, Responsibility, and Disclosure Act In 2009, the Federal government passed a series of laws that [...]
Most get-out-of-debt plans follow the same process. There may be some slight differences in how you execute your path to debt freedom, but generally, you’ll take these steps to pay off your credit card debt. Start by making a list of all the credit card debt you owe. This will help put your debt in [...]
For years, credit card companies have heavily targeted college students. Often because they realize parents often bail out their college-aged kids. And also because credit card companies hope that by hooking college students earlier, they’ll have a lifetime customer. Studies have shown that the average college student graduates with several thousand dollars in credit card [...]
Snowballing your credit card debt is a way to pay off your credit card debt that helps you build momentum. Like a real snowball, your monthly debt payments may start of small, but as time goes on and you pay off your debts, your payment will grow and progress will seem to come quicker. How [...]
You can take all the right steps to prevent credit card fraud. Unfortunately, some credit card thieves manage to slip through the cracks. If you become a victim of credit card fraud, there are some steps you can take to clear your name from the unauthorized transactions. Contact your credit card issuer. If your credit [...]
If you’re having trouble paying your credit card debt, you may need to seek consumer credit counseling. Many of these businesses are non-profit agencies who work with your credit card companies to reduce your interest rate and minimum payment through a debt management plan. Through consumer credit counseling, you can often pay off your credit [...]
It’s easy to accumulate credit card debt, but much harder to pay it off. That’s why many people carrying credit card debt end up carrying the debt for years. They pay hundreds, even thousands of dollars in interest and never think twice about getting rid of the debt for good. Why should you pay off [...]
You’ve seen the advertisements promising to reduce your credit card debt by up 60% and even 70%. As someone who’s swimming in credit card debt, the service sounds enticing. Can this really work? Unfortunately, many people looking for a debt solution realize debt settlement isn’t what was promised. How Credit Card Debt Settlement Is Supposed [...]
If only there was a warning bell that sounded whenever you were starting to accumulate too much credit card debt. You’d be able to stop using your credit cards and focus on paying them off before debt got too high. While there isn’t an obvious, in-your-face type of way to tell whether you have too [...]
Unfortunately, many American families are dealing with an overwhelming amount of credit card debt. The most recent government statistics show reveal that the average family is dealing with almost $9,000 in credit card debt. If you’re not already part of that statistic, keep it that way. Use these 10 steps to help you avoid credit [...]
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