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Can Consolidating Defeat Credit Card Debt?

By: Larry Goldberg

The answer to the question, Can Consolidating Defeat Credit Card Debt?, is both yes and no.

Yes, because if you can combine your credit card lines of debt into one, and that one credit card (i.e., via a balance transfer option) lets you consolidate your debt at a lower interest rate, you can: 1) make fewer payments on multiple accounts each month; 2) spend less money on interest; and 3) pay your debt off sooner.

No, because if you can do the above-mentioned things, but you keep charging on the available lines of credit that now have a new zero balance, you are going to continue to accumulate more debt, and this was not the desired end result. It’s easy to do. You might think to yourself, my monthly payment is now lower so I can afford that new blouse, new tool set, new television, new lawnmower, etc. You have to be very careful when consolidating debt not to accumulate more debt before you get the first combined loan paid off.

Balance transfers are a good option for a credit card consolidation loan. Choose a credit card that offers a good introductory interest rate. There is a fee that will be assessed on your balance transfer amount, but it will be worth it if you can make this credit card consolidation loan effort work for you. With credit card consolidation help, you can lower the amount of interest you pay each month and lower your total monthly payment. The best thing you can do is pay more than the minimum monthly amount, and you will end up saving money overall.

A few credit card companies have seen the light and decided to make the really good offer of allowing you to transfer your higher interest rate credit cards to them, for an interest rate that lasts the life of the loan! Now, that’s an offer too good to pass up. Be careful of the ones that read similar to that language, but their offer reads that the low interest rate is good only until the next year or so. You can take those credit card companies up on their offers, too, but only if you believe you will be able to pay your loan off by the time the lower interest rate expires, or you could wind up paying more.

With credit card consolidation help, you can win the war over your debt!!!


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