Credit Card Consumer Guide Credit Card Application
Credit Card Basics
Choosing credit cards
Reading fine prints
Interest rates
Billing errors
Balance Transfer
 
Credit Card Offers
Low APR credit cards
Low intro rate cards
Business credit cards
Student credit cards
Reward credit cards
Airline credit cards
Secured credit cards
Unsecured credit cards
Visa credit cards
MasterCard credit cards
Apply for a credit cards
 
Your Credit Rating
Your credit rating
Good credit
Bad credit
No credit
 
Credit Card Usage
Money Saving Tips
Unauthorized Transaction
Prevent Late Payments
Credit Card Usage TIPS
 
Credit Card Debt
Credit Card Debt
Debt Reducation Strategies
Debt Consolidation
 
Consumer News
 
 


Get Help

Sometimes the problem is bigger than you can handle on your own. There are non-profit counseling services available in you neighborhood that will help you straighten everything out. Credit Unions, social service offices, schools, churches and a variety of other places have counselors who might be able to help you. But, you have to be willing to make lifestyle changes or you are just putting a Band-Aid on a very big wound, your bleeding pocket book needs major surgery.

Credit Counseling Services

Sometimes it does not seem possible to manage the problem of being overextended financially. If you are unable to solve your financial problems alone, counseling services can help you set up a budget and a debt payment plan. Nonprofit financial counseling agencies charge little, if anything, for their services. Military bases and industries often hire people that can help you manage your debts. Housing authorities, credit unions and universities sometimes provide financial counseling


  • What is your net worth?
  • What is your current income?
  • What are your expenses?
  • Exactly how much do you owe?
  • What is your credit rating?
  • What interest rates are you paying on mortgage and loan balances?
  • What interest rates are you paying on credit cards?
  • When are your payments due?
  • Are your expenses higher than your income?
  • How much money do you need?
  • By when do you need it?

Answering these questions may be the last thing you want to do, however most people experience a sense of relief when they finish. You might even find things are not as bad as you imagined.


Privacy Policy