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Is there way to consolidate my credit card bills and get a lower payment without affecting my credit?

5 Thoughts on Considering credit card debt consolidation, would this be a good choice; recommendations who I should use?
  1. Reply
    November 25, 2011 at 12:39 pm

    try to get a citi gold credit card, they are offering 0.9 % balance transfer rate till sep 2008

    hope it will work.

    but if u cant get citicard, still credit card conslidation is better than paying minimum payment

  2. Reply
    November 25, 2011 at 12:44 pm

    This sounds like an idea that would possibly help you out, but remember the big thing here…You can’t charge up those credit cards again or you will be in deep debt. Good Luck and God Bless!

  3. Reply
    November 25, 2011 at 1:03 pm

    Its best just to pay em off one at a time. Make min. payments on all but the smallest and pay off the smallest as fast as you can. Then move to the next smallest.
    The reason for paying off the smallest amount first is the feeling of getting somewhere. dont worry about the interest rate because thats not the real problem.
    I wouldnt use one of these so called “debt consolidation” places either. The fees they charge are better off used to pay off your debt. Besides if You go with one of these places and they dont pay your creditors You, and you alone are still responsible for the debt. They will sue you not the company that you hired.
    What most if not all of these companies actually do. Is not pay your creditors for months and then try and settle your debt for less. By then you credit is trash and you will be treated as if you filed bankruptsy.

  4. Reply
    Sharing Mind
    November 25, 2011 at 1:33 pm

    transfer the balance to a new card with 0% INTRO APR for balance transfer. pay the monthly minimum on time to build up your credit rating. make sure read all term related to rate. once the intro period near the end transfer it again.

  5. Reply
    Nicki W
    November 25, 2011 at 2:20 pm

    Not without affecting your credit, no. I recommend Debt XS. What good is your credit now if you cannot use it because it is out of control. You should do debt consolidation/management then credit repair. I started with the free form at and they put me in touch with a firm that helped me get out of debt in 36 months.

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