Consolidatingcreditcards org

On the other side of things, consumers have abused balance transfers by using the strategy repeatedly, hopping from card to card.

Both of these factors have made creditors less willing to promote balance transfer at tempting promotional rates.

In recent years, balance transfers have become a less realistic option.

New legislation has caused creditors to require higher minimum payments (so that consumers pay off debts in a timely fashion).

Advantages: Credit card debt has become a serious concerns for more and more people who fail to manage credit card spending properly.Credit cards should always be viewed as replacement for cash but still having enough in savings to pay for the debt.It should never be used to buy goods and services if a cardholder doesn’t have enough reserved funds to liquidate the charges being incurred. Even worse, interest can pile up over time resulting in additional charges that make it tougher and more expensive to pay down your debt.Rather than simply making minimum payments on your credit card, there’s another solution: credit card consolidation.

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