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sunil



Joined: 07 May 2009
sunil's page
Posts: 40



86 Magic Points

Subject: Consoldating Credit Cards
 
Posted on Sun Aug 16, 2009 6:15 pm  

I have a few credit cards and would like to consolidate them into one payment, lower the interest rates and monthly payment amounts. What are my best opinions?
carol

carol

Joined: 27 Jun 2006
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Posts: 1299
Location: Los Angeles, California


30071 Magic Points

 
Posted on Tue Aug 18, 2009 10:18 am  

Hi sunil

Your best option could be to enroll with a debt consolidation company if you want to make one payment along with the rest of the factors that you have mentioned.

Otherwise for the other factors you could just do it yourself and negotiate with your creditor to lower your interest rate and the monthly payment amounts. In this case you cannot go in to a single payment. You will have t make separate payments to your creditors.
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jassica



Joined: 13 Sep 2009
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Posts: 76



25 Magic Points

 
Posted on Sun Oct 04, 2009 6:25 pm  

Consolidating your credit card bill may save money by reducing your interest and helping you pay the debt off faster. It will definitely simplify your debts because you’ll only have one bill to pay. Despite that, credit card consolidation isn’t always a great deal. Some methods, like taking out a home equity loan, could even endanger your home.

If you’re considering consolidating your credit cards, you have several options. Before you make a decision, carefully consider the costs involved and whether any of these methods will reduce both the total interest paid and your current expenses
jassica



Joined: 13 Sep 2009
jassica's page
Posts: 76



25 Magic Points

 
Posted on Sun Oct 04, 2009 6:28 pm  

Three common methods of credit card debt consolidation:

1)Home Equity Loan-
The home equity loan or line of credit is the most popular way to consolidate credit card bills. By borrowing against your home, you get a much lower interest rate and the new debt may be tax deductible.

2)Personal Loan
If you don’t own a home, but you have good credit, you could apply for a personal loan that will pay off all your credit cards. You would then only have one bill to pay every month.

Keep in mind that personal loans often have much higher interest rates than home equity loans and aren’t tax deductible. If your credit is good enough that you qualify for a personal loan, you may be able to receive the same interest rate by calling your credit card companies and asking. Although you won’t reduce the number of bills you receive, you also won’t have to pay any loan origination fees or prepayment penalties.

3)Credit Card Balance Transfer
You may actually get the lowest rate by taking advantage of a credit card balance transfer. With good credit, you may qualify for a credit limit that equals the total amount of your debt. You can then transfer all of your debts to one card and pay it off more quickly.
sunnyca



Joined: 10 Sep 2009
sunnyca's page
Posts: 148



955 Magic Points

 
Posted on Sun Oct 04, 2009 6:34 pm  

Option 1 - is good when you can get low interest rate equity loan, but makesure to pay ti off soon, rather than keeping it for 30 years, or it will cost your indirectly more in the logn run

option 2 - is not the best oen since the interest rate on the personal loans are always high since you do nto ahve any assest to bck it with

option 3 - is one of the best one, but need to every careful and vigilant about any change in terms and also being promt in monthly payment

Also some ther ther may be some high balance tarnsfer fee. With the finacial regualtiosn changign the 0% balance tarnsfer offers seems to eb dieing as of now
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