4 Inteligentne sposoby radzenia sobie z zadłużenia karty kredytowej

You already know a lot about credit cards. You’ve heard that consumer debt in this country-particularly credit-card debt-is at an all-time high, while our savings rate is lower than ever before. You realize that the boom in online shopping, with its absolute dependence on credit cards, is further fueling their use. You are well aware that running a balance on your plastic-and paying the unconscionable interest rates that come with it-is one of our most basic and widespread financial blunders. And you suspect that the sheer volume of direct-mail credit-card solicitations with low teaser rates must be devastating the forests of northern Idaho.

Still, credit cards are a fact of 21st century life, and it only makes sense to understand how to use them wisely. While it’s probably impractical to keep all plastic out of your wallet, it is prudent to limit the number of cards you have, and, of course, to pay all balances in full every month. Indeed, having only a traditional American Express card, which doesn’t allow you to carry a balance, can be an excellent way to impose fiscal discipline on you and your family-although, as the Visa ads point out, not everyone accepts American Express. For the rest of us, who do occasionally dabble in credit-card debt, here are a few ways to keep your habit under control.

1. Take advantage of frequent-flier programs tied to credit cards, but keep in mind that interest payments on a high balance can quickly turnfreeflights into outrageously expensive ones. At a dollar per mile, running up a debt of 25,000 may get you a plane ticket, but it will also saddle you with $4,500 in yearly interest payments, assuming an 18% annual rate.

2. Look very closely at credit-card offers before you bite. Obviously, most of those 2.99% and 3.99% rates will be in effect for only a few months. But there may be other catches as well. Making a late payment, even if it arrives only a day after it was due, may immediately trigger a permanent rate hike. Również, low initial rates sometimes apply only to transferred balances, and you could get charged a fee for making the transfer. Check, too, to see whether there is an annual fee, or charges for exceeding your credit limit or even for closing an account.

3. Avoid amazing grace-period tricks. What you’re looking for is a provision that says you’ll never be charged interest as long as you pay your bill in full by the due date. But some cards have no grace period, calculating interest from the moment you make a purchase, while others give you only a limited time after making a charge before interest is imposed. That period of 20 days or so may end before your payment is due.

4. Don’t forget to cancel cards you no longer use. If you don’t, they’ll show up on credit reports, and that could be a problem, particularly if you’re applying for a home mortgage. Your would-be lender may be reluctant to make a loan to someone who has a cumulative credit-card limit of $50,000, $100,000, or even more.

Porady na temat konsolidacji zadłużenia karty kredytowej

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.

Czy naprawdę wiesz, jak wiele kart kredytowych, co nosisz, a są ich sald wszystkich?

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. 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.

Gorszy od wszystkich, praktycznie nie ma żadnej kontroli nad tych firm wydających karty, especially over their extortionate interest rates. I saw one card, with an interest rate of 35%.

Because this temptation is so easy, to nie ma znaczenia, czy jesteś już głęboko w długach, czy jesteś na krawędzi dostania się do niej; w wielu przypadkach trzeba kilka porad na konsolidacji zadłużenia–i nie nieformalnie z przyjaciółmi–ale od ekspertów.

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, giving them information about your credit rating, your secured and unsecured debts, and the list of your creditors. Będą kreślić plan dla Ciebie i doradzić, jakie kroki należy podjąć w przyszłym.

Kolejną zaletą jest to, że porady zadłużenia Twój doradca będzie również zaproponować wam kilka zmian w stylu życia można dokonać w przyszłości do zmian w swoim stylu życia, aby zapobiec kolejnej stos zadłużenia karty kredytowej w górę.

That’s great, but how much do you have to pay?

Don’t worry! Most of the advisory part is done free of charge. 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.

Zadłużenia karty kredytowej nie powinno być zaniedbywane, a zawsze lepiej skorzystać z porady z właściwego źródła. Wybierz firmę z najwyższą starannością, a znajdziesz wyjście z zadłużenia.

Również, jeśli kiedykolwiek się zadłużać, nie stać strusia. Trzymanie głowy w piasek nie będzie faktycznie sytuacja lepsza. Jak również doradztwo długu, należy poinformować firmę karty kredytowej ( lub firmy) tak szybko, jak się w kłopoty.

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