I hаd gοοd credit, bυt I рυrсhаѕеd a nеw motorcycle, аnd unlike a bank load whеn уου рυrсhаѕе a car, thеу gave mе a credit card wіth a high enough limit tο bυу thе bike (іn mу case $9800). It’s down tο аbουt $8800 аnd I hаνе аbουt one year left аt 6.9% APR before іt sky-rockets. I аlѕο hаνе two credit cards, one wіth аbουt $1800 аt 24% APR аnd thе οthеr wіth $2800 currently 0% APR.
I wουld lіkе tο combine аll mу debt аnd keep thе APR down.
Anyone hаd gοοd experiance wіth аnу debt consolidation companys?
I meant bank loan nοt load. 
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Tags: consequences, Consolidate, Credit, Debt, high, interest
debt CONsolidation is just that, a con. It don’t work. All you do is move debt around and rename it. . .
your goal should be to get the debt paid off. . . that works every time.
You need to to go to www. daveramsey. com before you get in even more trouble.
first talk to your bank or credit union about a consoladation loan – you will probably have to use the bike as collatrial–the interest rates don’t change – you also know how long you will be paying on it
some of those debt co are shady
redit card debt, is not an unusual situation and we can find people everywhere, who are suffering from this very problem. Getting into debt is very easy, just a quick spending spree and you will reach this hell, but getting out of a credit card debt takes a lot of discipline and will. However, nothing is impossible and anyone can get rid of the credit card debt provided he follows these basic things.
Discipline is the first thing to begin with. Yes, usually it is the wasteful expenditure and uncontrolled spending that lands a credit card holder into credit card debt. Taking a pledge to control your credit card spending unless you get out of this credit card debt will put you on the right track.
Budgeting the expenditure and taking control of your finances will help you gauge what is needed and money spent on which items are bugging you later. Again the discipline comes into play. Sticking to your income limits will help you cut the overspending and simply have the courage to cut off all those things which are not absolutely important.
When you have decided what is necessary, try to pay for all that with cash. Yes, you heard it right hard cash. This will benefit a debt ridden person tremendously. Put off those credit cards away for the moment.
While budgeting, make sure to earmark the amounts necessary for credit card monthly installments. These funds should not be used for any other thing what so ever under any condition. This will build up a repayment schedule which is regular. Thus acting in this way you will do two things. First, you won’t add anything to your credit card bill, secondly the repayment schedule will get regular. So, your debt will start reducing regularly. Read more from: http://www. credit-card-gallery. com/article/378,Credit_card_debt_Get_rid_of_it_by_these_simple_steps