Comhairle Ar Comhdhlúite Fiach Cárta Creidmheasa


Credit cards can be a great boon to many people, and have been since the introduction of the first one, BarclayCard, back in 1966, which then enjoyed a credit card monopoly into the seventies, when, in 1972, Access was launched. Nowadays every major ( and minor) Bank, large store, etc, have added to the virtually thousands of cards to choose from. The introduction of so many plastic money sources, for many of us, has caused an uncontrollable temptation to spiral into consumer debt.

Do you really know how many credit cards you carry and what their balances all are?

An bhfuil a fhios agat cad é an ráta úis ar na cártaí?

An bhfuil tú liosta de na billí ar fad-feitheamh?

Do you know your exact financial situation?

But these credit card producing companies only have one thought in mind. They are not thinking of the convenience that plastic money brings to us, or for those of us that use the credit card interest free period, but for those of us that take the easy temptation into debt not considering where the real money will come from to repay these credit card debts.

Worse of all, there are virtually no controls whatsoever over these card issuing firms, especially over their extortionate interest rates. I saw one card, with an interest rate of 35%.

Because this temptation is so easy, it doesn’t matter whether you’re already deep in debt or whether you are on the verge of getting into it; i go leor cásanna is gá duit roinnt comhairle ar chomhdhlúthú fiach–agus ní go neamhfhoirmiúil ó chairde–ach ó shaineolaithe.

Where can you get expert advice on debt consolidation for your credit cards?

Is féidir leat comhairle ar bhainistíocht fiach cárta creidmheasa a fháil ó na bainc agus gnólachtaí airgeadais. Tá ualaí a eascraíonn de na cuideachtaí comhdhlúthaithe fiach timpeall a sholáthar duit le saineolaí airgeadais nó comhairleoir chun cabhrú le réiteach do chuid fadhbanna. You may also find some helpful advice online on debt management.

All you are required to do is to fill-out a form, a thabhairt dóibh eolas faoi do rátála creidmheasa, do chuid fiacha urraithe agus unsecured, agus an liosta de do chreidiúnaithe. They will chalk out a plan just for you and advise on which steps you should take next.

Buntáiste eile de comhairle fiach go mbeidh do chomhairleoir fios duit freisin roinnt athruithe stíl mhaireachtála is féidir leat a dhéanamh sa todhchaí ar athruithe i do stíl mhaireachtála a chosc carn eile fiach cárta creidmheasa suas.

Sin go hiontach, ach cé mhéad a bhfuil tú a íoc?

Ná bíodh imní ort! An chuid is mó den chuid comhairleach Déantar saor in aisce. Although the price can only be known once you have chosen the company or bank with whom you wish to work. Tá suímh ar líne cinnte agus gnólachtaí eile a thairiscint duit comhairle saor ó chostas, ach tá sé seo le haghaidh duit cinneadh a dhéanamh.

Credit Card debts should not be neglected and it is always better to take advice from the right source. Choose your company with utmost care and you will find your way out of debt.

Also, if you ever get into debt, do not become an ostrich. Sticking your head in the sand will actually not make the situation any better. As well as debt counseling, you should inform your credit card company ( or companies) as soon as you get into trouble.