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Debt Consolidation allows you to consolidate your existing unsecured debt, such as your credit cards. Debt Consolidation means that you use one loan to pay off various credit cards, which will leave you with only one payment to make. 2 Easy Ways to Consolidate Your Credit Card Debt Credit card debt can often be the biggest cause of our financial headaches. If you realise that your credit card debt is out of control, it could be time to look for ways to consolidate your credit card debt. Many people go through the consolidation route as the first step to tackling their credit card debt. Once you have effectively consolidated your credit card debt then you may find that your monthly debt payments decrease and that you can become free of your credit card debt in the long-term. There are a number of ways to consolidate your credit card debt; the right debt solution is often dependant on a number of different factors, such as your level of income and amount of outstanding debt. See below for the two easy ways to consolidate your credit card debt: Debt Management Plan. The main idea of consolidating your debt is that your payments become easier to manage and a debt management plan offers you this option, without the need for any further borrowing. This type of no loan debt consolidation allows you to make lower payments to your creditors that you can afford. Although each case is unique and cannot be guaranteed, many creditors are willing to freeze interest and charges on the debt. If you have debts over £12,000 then you might find that an IVA is a better way to go about consolidating your debt into a lower payment as you can write off a percentage of your unaffordable debt on completion of the agreement. A Debt Management Plan is not suitable for everyone, and you may prefer a debt consolidation loan to help you to consolidate multiple unsecured debts into one low single monthly payment. Many people also choose a debt consolidation loan as it may offer them a lower interest rate than with their unsecured debt. Not everyone is eligible for this type of debt consolidation as the loan is often secured against your property. Although this can offer some additional advantages, if you fail to make the payments your home becomes at risk. Reasons for Credit Card Debt Consolidation There are many reasons that you might want to consolidate your credit card debt with a Debt Consolidation loan. For example: - You could reduce the number of creditors. - You only have one fixed monthly outgoing instead of many. - You can benefit from a lower interest rate from a Debt Consolidation Loan, as it will be secured against your assets. For more information about how to consolidate credit card debt, please call our specialist debt consolidation advisors on our freephone number: 0800 048 3674. Getting Advice About Credit Card Debt Consolidation If any of the above ways to consolidate credit card debt seem of interest then you should take the first step about getting information about your finances. Debt Consolidation are on hand to offer you further advice about any debt consolidation tips that you need. Call the Debt Consolidation team on freephone 0800 048 3674 today.
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Konsolidaciju duga kreditne kartice Ljudi koji su u dugom (kreditna kartica duga) često se čuti ovaj savjet, Amex kreditne kartice dug. Dakle, što da je "Amex kreditne kartice dug" znači? Pa, prilično jednostavno, "Konsolidacija kreditne kartice dug" znači konsolidiranje duga na raznim kreditnim karticama u jednom (ili dva) kreditnom karticom. Ova konsolidacija se može obaviti bilo kroz niske kamatne bankovnog kredita ili prenošenje ravnotežu novu kreditnu karticu (tj. prijenos iznos koji dugujete, na jednoj ili više kreditne kartice, na novu kreditnu karticu (e). Pa što bi trebao učiniti kada ste u potrazi za konsolidaciju kreditne kartice? Pa, ključna stvar za pogledati je za travanj ili godišnji postotak stopa. Bez obzira na metodu usvojiti za konsolidaciju kreditne kartice, travanj će uvijek biti ključna, u stvari, može se reći da je to jedini kriterij tražiti. Dakle, ako koristite bankovni zajam za konsolidaciju duga kreditne kartice, kamatna stopa na kredit bi trebao biti niži od tra od kreditnih kartica čiji ste dug konsolidacija. Slično tome, ako se kreće na drugu kreditnu karticu, morate biti sigurni da je travnja u novu kreditnu karticu je manji od kreditne kartice duga čiji ste konsolidiranje. Međutim, postoji kvaka da morate biti svjesni kada polaganje plan za konsolidaciju duga kreditne kartice. Tra stope oglašavaju većina dobavljača kreditne kartice su kratkoročni Travanj stope koje su označene u iskušenje da se konsolidirati dug kreditne kartice s njima. Po kratkom roku mislimo Travanj stope koje će se primijeniti samo na početno razdoblje od manje od 12 mjeseci ili neko drugo razdoblje, nakon čega povećanje cijene travnja. Kad idete na konsolidaciju duga kreditnu karticu s tih dobavljača kreditne kartice, oni će vam ponuditi nižu (čak 0%) tra za prvih 6-12 mjeseci, i mnogo veći Tra Nakon toga. Trebali biste provjeriti što je to veća travanj stopa je. Vaša odluka za konsolidaciju duga kreditne kartice će biti plodonosna samo ako nova travanj stopa je niža od ili jednak travanj na vašu trenutnu kreditnu karticu. Možda provjerite s vašim trenutnim kreditne kartice dobavljača vidjeti ako je u mogućnosti sniziti travanj (ako je to radi, to će učiniti stvari stvarno lako za vas). Prije nego što prešli na konsolidaciju duga kreditne kartice biste trebali razumjeti da konsolidiranje kreditne kartice duga će biti koristan samo ako zalog usvojiti i slijediti discipliniran pristup kreditnim karticama korištenja odnosno kontroliranom potrošnjom i redovito / pravodobno plaćanje kreditnom karticom pristojbe.