Patarimai dėl kredito kortelė Skolos konsolidavimas


Kreditinės kortelės gali būti puikus palaima daugeliui žmonių, ir buvo nuo pat pirmojo įdiegimo, Barclaycard, atgal 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, daugelis iš mūsų, sukėlė nevaldomą pagundai spiralės į vartotojų skolos.

Ar jūs tikrai žinote, kiek kredito kortelės jums atlikti ir kokie jų balansai visi yra?

Do you know what the rate of interest is on these cards?

Do you have a list of long-pending bills?

Do you know your exact financial situation?

But these credit card producing companies only have one thought in mind. Jie negalvoja apie patogumą, kad plastiko pinigų atneša mums, 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, ypač per savo plėšikiškas palūkanų normos. Aš mačiau vieną kortelę, su palūkanomis 35%.

Kadangi ši pagunda taip lengva, nesvarbu ar jūs jau esate giliai skolos ar esate gauti slenksčio į jį; in many cases you need some advice on debt consolidationand not informally from friendsbut from experts.

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

You can get advice on credit card debt management from banks and financial firms. There are loads of debt consolidation companies around who will supply you with a financial expert or councilor to help solve your problems. You may also find some helpful advice online on debt management.

All you are required to do is to fill-out a form, suteikiant jiems informaciją apie jūsų kredito reitingas, jūsų užtikrintos ir neužtikrintos skolos, ir savo kreditoriais, sąrašas. They will chalk out a plan just for you and advise on which steps you should take next.

Another advantage of debt advice is that your advisor will also suggest you some lifestyle changes you can make in the future to changes in your lifestyle to prevent another credit card debt pile up.

Puiku, bet kiek jūs turite mokėti?

Nesijaudinkite! Dauguma patariamoji dalyje daroma nemokamai. Although the price can only be known once you have chosen the company or bank with whom you wish to work. There are definitely online sites and other firms which will offer you advice free of cost but this is for you to decide.

Kreditinė kortelė skolos neturėtų būti ignoruojamos ir ji yra visada geriau atsižvelgti į patarimus iš dešinės šaltinį. 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. Klijuoti savo galvą į smėlį tikrai nepadarys situacija, bet geriau. Taip pat skolos konsultavimas, turėtumėte pranešti savo kredito kortelės kompanija ( arba bendrovės) kuo greičiau patekti į bėdą.