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You’ll also want to read the fine print in order to avoid surprises such as a balance transfer fees or application fees.If an offer sounds too good to be true, it probably is.One of the easiest ways to consolidate your credit card debts is to call your current card issuers and ask for a better deal.If the representative seems unwilling, we recommend asking to speak with a supervisor.For example, you can use money from your IRA interest-free for 60 days.
In the days of yore, when people needed a hand catching up on their bills, they strolled into the neighborhood bank, spoke to branch manager, shook hands on a loan, and got a check for the amount they needed.Lenders know the competition is tough, and it’s cheaper for them to keep you than it is to get a new customer to replace you — especially if you’re a low-maintenance borrower who pays her bills on time.While you have them on the phone, ask about these three options: This raises many issues worthy of your consideration.[Disclosure: Cards from our partners are reviewed below.] Debt consolidation is a type of debt refinancing that allows consumers to pay off other debts.In general, debt consolidation entails rolling several unsecured debts, such as credit card balances, personal loans or medical bills, into one single bill that’s paid off with a loan.
There are dozens of ways to go about consolidating debt, and some include transferring the debt to a zero or low-interest credit card, taking out a debt consolidation loan, applying for a home equity loan or paying back your debt through a debt repayment consolidation plan.