Sollte ich Konsolidieren Meine Kreditkarte Schulden?


Unlike general debt where the answer to problems is rarely to consolidate, the consolidation of credit card debt is often worhtwhile. Kreditkarte Schuldenkonsolidierung wird von vielen ias, der erste Schritt in Richtung Karte Schulden Beseitigung angesehen. Aber, before you taking the initial step towards consolidating your credit card debt, Sie verstehen müssen, dass die Konsolidierung Kreditkartenschulden (oder mit Balance Transfers) is an action that is being taken to eliminate your credit card debt. Consolidation of your credit card debt is not simply a mechanism for putting the problem away for a while.

Credit card debt consolidation is a good option for more than one reason; Sie nicht nur die Befreiung von der Zunahme der Menge von Ihrer Kreditkarte Schulden, aber Sie können auch andere Vorteile zu bekommen. Many card issuers make offers to new users who transfer in ther existing balances that can be very attractive indeed.
Almost all offers for consolidating credit card debt/transferring balances have an initial period with a low APR often as low as 0%. Dies ist, tatsächlich, einer der Hauptgründe, warum die Konsolidierung Ihrer Kreditkarte Schulden ist eine attraktive Option.

Neben niedrigen APR, offers for balance transfer often include benefits such as 0% interest on any purchases made during first few months after the balance transfer. Dies ist eine andere Sache, reduziert die Geschwindigkeit, mit der Sie Ihre Kreditkartenschulden erhöht. Of course if the purpose is reduction or elimination of debt then new purchases are not the highest priority! These are the two most significant benefits that credit card issuers offer to attract new clients into consolidating their credit card debt with them.

After these main benefits there are other benefits such as additional reward points on the issuer’s reward. These reward points can be redeemed for other attractive goods/rebates/rewards etc, but thioer purpose is to encourage you to spend more money and increase, not decrease your debt!
Sometimes, the new credit card might be one that caters better to your current spending needs both in terms of credit limit and the way that you might use your new card. beispielsweise, Die neue Kreditkarte kann von einer Fluggesellschaft, die Sie häufig verwenden, Co-Branding werden. The credit card you are consolidating to might open up discount offers to you. Aber in der Regel sind diese Angebote alle ermutigen, zusätzliche Ausgaben.

The most important thing to remember when consolidating your credit card debts is the reason for doing it. If the purpose was to reduce debt and manage payments then you can and must ignore any offers that will increase your indebtedness. Balance transfers are not offered by card issuers to make it easy for clients reduce their debtthe opposite is true! As a credit card user you must use the tools offered by card issuers to YOUR benefit, not the bank’s!

Viel Glück Reduzierung Ihrer Schulden durch disziplinierte Kreditkarte Konsolidierung und Balance-Transfer.