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manage
card debt

Reducing Card Debt
view below

Notes:
understanding debt ratios

Notes:
consolidation worksheet

CONTROLLING YOUR CREDIT CARD DEBT


more detail information about managing credit card debt at our affiliated site: SayPlanning.com

Manage It

  • How you manage your credit cards is a key measurement that credit reporting agencies use when quantifying the credit rating of an applicant.

  • Card holders who pay their card balances on time, at the required amount, will receive a favorable credit rating that translates into lower interest rates on mortgages and consumer loans.

  • Card holders who are late in paying their credit cards payments, often not paying the required amount as due, will receive a less-than-favorable credit rating that translates into rejected applications or higher interest rates for mortgages and consumer loans.

  • We have two credit card management programs for review from our SayPlanning.com network on credit management:

    visit SayPlanning.com for:

    Program A: for card holders who control their credit card use and payoff credit card balances in full each month.

    Includes a FREE download on maximizing credit card rebates.

    Program B: for card holders who carry credit card debt and pay only the minimum balance each month.


Additional Information about Debt Management at our affiliated site: SayPlanning.com
managing
card debt

Controlling Your Card
view above

Notes:
understanding debt ratios

Notes:
consolidation worksheet

REDUCING CREDIT CARD DEBT


more detail information about debt reduction strategies at our affiliated site: SayConsolidate

Step 1 Learn how credit card companies use marketing ploys to entangle consumers into debt.
Step 2 Use our credit card worksheet to list and add up your credit card debt.
Step 3 Run some debt repayment schedules to estimate the time to payoff your credit card debt.
Step 4

View payoff options including debt consolidation, debt payoff, debt settlement, debt servicing, and debt counseling.
Step 5 Manage your credit card use to prevent future credit card debt and entanglement.
 
Guide Lower Your Bills: Review our section on lowering your housing, transportation, food and other monthly bills.
Guide Budget Management: Build a monthly spending plan with financial goals for home buying, college savings, vacation and retirement.

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