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Debt Consolidation by Russ Tanioka

Tired of Paying and not Getting Anywhere?

Having been there myself, I know how you feel with multiple credit cards and sources of bills. Debt consolidation credit card guidelines are not as difficult as it may seem. Although it may not be as easy as getting into debt, it definitely doesn't need to be impossible to get out of.

Usually, a person in the united States has 3 or more credit cards that they use and acquire more as their debt goes up! More cards equates to more credit and ultimately more debt!

With Credit card consolidation you will be able to save a lot of money namely by transferring the remainder balance of debt on high annual commission rate credit rates to low APR credit cards. In some cases you may even transfer the balance from high APR to zero APR depending on the offers or incentives available at any given time. However, this could be a double-edged sword. I myself fell into that trap as I lunged deeper into debt.

Why? I signed up for 3 or 4 credit cards that offered 0% interest for the first year. For a brief period of time, it was great! Not having to pay that 22% annual interest rate was like a burden lifted from my shoulders. Then one thing or another happened and they didn't receive my payment before the due date. Well guess what happens then? You got it! - My rates sky-rocketed back up to 22% or more. Another trap is the credit card companies boast 0% on all balance transfers. That's great too, providing you don't use the card for anything else. Sure you're still getting 0% on the balance transfer (as long as you haven't made any late payments) but all new purchases on the card are at an inflated percentage rate.

So why do people really want to consolidate credit cards? And more importantly, why do credit card companies offer you new cards when you're already deep in debt? Because they know people will play the "balance transfer" game and shift their credit card debt from card to another in an effort to reduce the interest rate or take advantage the 0% APR for a period of time. They know full well that eventually you will slip and gain the opportunity to raise the interest rate.

The greatest reason people consolidate is because they feel that they are paying way too much on their credit cards in interest payments. Consolidating onto a low APR credit card will greatly reduce the amount of finance charges paid out in the form of interest. Some credit card companies have annual fees as well. In essence the more cards you have, the higher the amount that these annual fees collectively add up to.

Tip: Always use cards with no annual fees (if you can). This is another way you can save some money by eliminating the cards that have an annual service fee. Credit card consolidation may save you a sizeable amount of money, especially if you're transferring the balances from high APR credit cards to low APR credit cards while eliminating those that have annual fees.

When consolidating your credit card debt, another "plus" is to acquire a credit card that offers cash back incentives, flyer mileage, or points you can use to redeem items.

Strongly consider a professional debt consolidation service. They can offer you the best way to reduce and even eliminate debt Although if you have a good credit rating, debt relief or "forgiveness" will damage your credit rating. It may cost you a little money, but in the long run, they will save you many times over.

I wish you luck and a debt free future.

Best Regards,

Russ

I've been in the customer support business for 15 years now. I've always enjoyed help people with their computer and application issues. It has brought me great joy to be able to help those in need and leave them with a smile on their face.

I also enjoy helping others outside of work and lend a hand, an ear, or give advice if wanted.

Russ
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what do you think of double ear piercings?

i mean just side by side on the earlobe? i have 2 on each ear & when i was younger, i used to wear both but now that i am older, i wear just one pair of earrings on the lower. do you think it is classy or trashy to have ear doubly pierced?

Double is ok as long as the earrings work- one hoop and one stud, or two studs looks fine. If you have two flashy, big earrings, I think it's trashy. I have double but haven't worn anything on the top for a long time, just because I don't like to take the trouble. I don't think it's a problem, though