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Tips On Credit Card Consolidation Having too many credit card increases the risk of having huge amount of credit card debt. This automatically increases the amount you pay in the form of interests. To avoid all this hassle, it is essential to consolidate your credit cards. Here are few tips on credit card consolidation. The meaning of Credit card consolidation Credit card consolidation means transferring the balance amount present in all high interest credit cards on to a single card with a lower interest rate. This greatly reduces the amount of interest you pay towards high interest rate credit cards and also aids in reducing the principal debt amount. For example, if you own five credit cards out of which four have interest rates in the range of 8% to 15% and the remaining one with a 5% interest rate, then credit card consolidation means transferring the debt on those four credit cards on to the 5% interest rate card. The following are three simple tips on credit card consolidation. • If you have a very huge credit card debt, then it may not be possible to transfer the entire amount to another low interest rate credit card. In such cases, it is a very good idea to apply for a home equity loan. This will be very helpful to clear off all your credit card debts and make regular payments for a single loan. The benefits of home equity loan include low interest rates and an option to choose the loan period that best fits your financial status. • Another simple solution for credit card consolidation is lending a personal loan from a bank or a private lender. However, to be eligible for a personal loan, it is essential to have a good credit report. In a rush to clear your credit card debts do not fall prey of a high interest rate loans. • Last and very beneficial way for credit card consolidation is transferring the balance on to another credit card which helps you in clearing certain amount of debt. Wondering why a credit card company will pay your debt? Very simple. Owing to huge competition among the credit card companies, certain companies are encouraging people to use their credit cards and in return they are promising to clear some amount of debt free of cost. However, before using the services of such credit card companies make sure to know their interest rates, annual fees and other terms and conditions carefully. Benefits of credit card consolidation • Avoids the hassle of making payments to multiple credit card companies. Just a single payment either to a banker or a credit card company would do. • Reduces the risk of developing bad credit report due to delayed payments. • Increased chance of obtaining lower interest rates. • Above all, you can enjoy peace of mind by avoiding harassing calls from credit card companies to clear the debt. All the above tips on credit card consolidation are very helpful and are very easy to practice. Though you may find it hard in the initial days, you will experience a feeling of triumph and success at the end.
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Savjeti za Credit Card konsolidacije Nakon što je previše kreditne kartice povećava rizik od ogroman kreditne kartice duga. To automatski povećava iznos koji plaćate u obliku interesa. Da biste izbjegli svu tu gnjavažu, neophodno je konsolidirati svoje kreditne kartice. Evo nekoliko savjeta o kreditnoj kartici konsolidacije. Značenje kreditne kartice konsolidacije Kreditna kartica konsolidacija znači prijenos bilance iznos prisutan u svim visoke kamatne kreditne kartice na na jednu karticu s nižom kamatnom stopom. To uvelike smanjuje količinu interesa prema plaćate visoke kamatne stope kreditne kartice i pomagala u smanjenju osnovni iznos duga. Na primjer, ako imate pet kreditne kartice, od čega četiri su kamatne stope u rasponu od 8% do 15% i preostalih jedan sa 5% kamatna stopa, a zatim kreditne kartice konsolidacija znači prijenos duga na te četiri kreditne kartice na do 5% kamatna stopa kartice. Evo tri jednostavna savjeta o kreditnoj kartici konsolidacije. • Ako imate vrlo veliku kreditnu karticu dug, onda to neće biti moguće prenijeti cjelokupni iznos u drugu niske kamatne stope kreditne kartice. U takvim slučajevima, to je vrlo dobra ideja da se prijave za home kapital zajam. To će biti vrlo korisno da se jasno sve svoje dugove kreditne kartice i napravite redovite isplate za jedan kredit. Prednosti home plasman kredita su niske kamatne stope i mogućnost da izaberu rok posudbe koji najbolje odgovara Vašim financijsko stanje. • Još jedan jednostavan rješenje za kreditne kartice konsolidacije posuđuje osobni zajam od banke ili privatne vjerovniku. Međutim, da bi se kvalificirali za osobni zajam, bitno je da imaju dobru kreditnu izvješće. U nalet izbrisati vaše dugove kreditne kartice ne pada plijen na visoke kamatne stope kredita. • Prezime i vrlo koristan način za kreditne kartice konsolidacije prenosi ravnotežu na drugu kreditnu karticu koja vam pomaže u čišćenju određeni iznos duga. Pitate se zašto je kreditna kartica tvrtke će platiti dug? Vrlo jednostavno. Zbog velike konkurencije među kreditna kartica tvrtke, neke tvrtke ohrabruju ljude da koriste svoje kreditne kartice, a za uzvrat su obećao da će očistiti neki iznos duga besplatno. Međutim, prije korištenja usluge takvih poduzeća kreditnih kartica bi bili sigurni da znaju svoje kamatne stope, godišnje naknade i druge uvjete i obveze pažljivo. Prednosti kreditne kartice konsolidacije • izbjegava gnjavažu isplatu više ili kartičnih tvrtki. Samo jednokratno ili na bankar ili kreditna kartica tvrtke će učiniti. • Smanjuje rizik od razvoja loše kreditne izvješće zbog zakašnjela plaćanja. • Povećana mogućnost dobivanja niže kamatne stope. • Prije svega, možete uživati mir izbjegavajući uznemirujuće pozive iz kartičnih tvrtki za brisanje duga. Sve gore navedene savjete o konsolidaciji kreditne kartice su vrlo korisne i vrlo su lako vježbati. Iako vam svibanj pronaći teško u početnim danima, doživjet ćete osjećaj pobjede i uspjeha na kraju.