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I just recently came back to the US after traveling and living in South America for quite a few years. Mainly in Brazil which is an amazing place. Anyways before i left i guess i had left a few dollars not paid off on one of my credit cards and as you could imagine that really built up and pretty much destroyed my credit. Well when i came back i went to get a Personal Loan to be able to find a good place to live and as you could probably guess i was turned down for the loan due to my credit history. Now i am left living at an old friends until i can figure out what to do.

Credit card debt is really a menace and a lot of people are facing it around the globe. Credit card debt consolidation and bank loans are well known as ways of reducing and eliminating credit card debt. In all this confusion, credit card debt negotiation almost gets forgotten.

Have a bottom-line price in mind. Negotiate like this: “Salesman, I’ll give you three chances to come up with a price I want. I did my research and I think I have a fair price in mind. Offer me a the lowest price you can on this car. If it’s too high, I’ll tell you. If you still haven’t reached my price by third attempt, I leave. Ready?” Obviously, this only works if you really do have a reasonable price in mind. 🙂 So do your research!

If you notice that you’re having difficulty in juggling your credit card payments, it’s time to take appropriate action immediately. Don’t wait until bills pile up in your mail or until your credit card issuers start to call you about past due charges. Acting upon the problem right from the start can save you from bad debt.

Many consumers own more than one credit card. Add to this, many people carry balances on not just one card, but on two or all their credit cards even. Carrying over balances from one billing cycle to the next is a very risky habit.

My friend and his husband had credit cards and auto loans together, He took everything and now has stop paying on things because hes with someone else and it’s hurting her credit
how would she get them off of her report?

Right now I have a Bank of America credit card in which I earn no rewards from using. Because I’m starting to use it more and more, I’ve decided it’s time to switch to a credit card where I can earn rewards. I’m wondering if people have suggestions on the best credit card to get based on the rewards/incentives associated with it?