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Getting the Right Rate Can Save YOU Thousands
A credit card debt can be like the worst sort of trap. Like a
wound that won’t heal, a monthly minimum payment – with
ceaseless regularity and endless strain on your budget – leaves
your account. It’s to pay for the Christmas shopping, or the
last July 4th party, or your holiday two years ago. You don’t
know; frankly you care less – you just want to see it gone. But
when your next statement arrives, the hole your minimum payment
should have burned in your debt is no smaller – the sore remains
unclosed.
Is this situation familiar? Is it you?
If it is, you’ve not heard the worst of it yet. The way that
credit card companies exist and thrive is by exploiting your
debt burden. They’ll lend and lend and lend, until you get to
the point that the most you can pay back each month is the
minimum payment – usually around 2.5 per cent of the balance.
The problem with this is that they hit you with a load of
interest, sometimes amounting to 2 per cent of the balance. If
only one half of a per cent is being paid back it doesn’t take
much math to figure out the amount of time it could take you to
pay back your debts.
In fact, if you’re paying repayment insurance, in some instances
you can pay back less than the amount of debt accumulating.
It’s a horrible, self-perpetuating cycle of hemorrhaging money,
but the good news is twofold.
First off, you’re not alone. Thousands upon thousands of decent,
hard-working Americans are in this position through no fault of
their own but necessity and the demands of modern living.
Secondly, if you’re stuck in this horrible cycle of bleeding
money, the chances are that it can be at least partially
redressed. Many Americans have – and still do – unwittingly
signed up to credit card deals that are uncompetitive,
over-priced and unnecessarily expensive. What many don’t
realize, is that simply because you have pledged allegiance to a
particular credit card company doesn’t mean to say that you are
stuck with them for life. There’s a way out that can save you
hundreds, if not thousands of dollars a year and help you pay
off your debt burden more quickly.
Transferring the balance of your credit card to another one is a
way of paying off your existing debt with a new credit card that
you take on at a cheaper rate. In many cases this can be set at
0 per cent for a period of a number of months, before reverting
to a higher rate. By switching to such a card – and then another
at the end of the interest free term, and maybe even another
after that, it gives you a clear run at reducing your debt,
without it spiraling ever further upwards. Even if you’re still
only paying 2.5 per cent off the balance a month, far better to
do that than knocking off one half of a per cent, or less.
By bundling up the old expensive credit card debt, getting rid
of it, then paying back the new credit card at a lower rate, you
can save countless dollars each month. You can save even more
money by paying a bit more each month, thus clearing the debt in
a shorter time. By doing this you’ll free up more dollars
further down the line enabling you to spend them on something
really nice.
Unfortunately, 0% deals are not always available to all
customers. If you’ve got a credit rating that’s in some way
below scratch, it is probably unlikely that a 0% credit card
will be made available to you. It’s a sad fact of finance that
the best deals seem to always be available for those who need
them the least.
That said, there are a number of other excellent credit cards on
the market through which you can save many dollars. Even if a
balance transfer rate is as high as 10 or 12 per cent, if you’re
paying upwards of 20 per cent on your existing deal then you’re
clearly going to save a stack of money – even if it’s not as
much as you might have liked.
If you’re concerned about how much you’re paying each month on
your credit card repayment it certainly pays to check out your
existing interest rates and compare them to some of the balance
transfer rates available at competitors: it’s almost a certainty
that you’ll save yourself more than a few dollars.
Even if you’re not worried about your existing credit card deal,
it’s worth checking out the market to see if you can get a
better deal. Complacency doesn’t pay, but a bit of awareness can
save you a lot.
About the author:
Max Hunter is the author of many credit related articles. If you
are looking for help with Home Loans or any other type of credit
issue please visit us at http://www.creditcardunli
mited.com