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The best way to consolidate credit card debt — and whether consolidation will work for you at all — depends on your situation, so you might want to consult a non-profit credit counselor about your best options.
The following five tips can help you figure out which credit card consolidation strategy suits you best.
A lender may lower the interest rate on your credit card balance when you participate in a debt management plan.
Debt management plans typically last three to five years.
You can get your free annual credit report from each of the three major credit reporting agencies — Trans Union, Equifax and Experian.
And, Credit.com’s free credit report summary can help you understand what’s inside your credit report. There are several safe and smart ways to consolidate credit card debt, so you’ll want to research them before deciding what’s best for you.
But, before applying, be sure to ask about the lender’s credit requirements.
With a debt management plan, you make one monthly payment to a credit counseling agency and the agency pays each of your credit card lenders.Terms, conditions, fees, charges and lending criteria apply.Comparison rate calculated on unsecured loan amount of ,000 over a term of 5 years based on monthly repayments.For more information, check out: Rates and information current as at 14 December 2016 and subject to change.
NAB personal variable loan rate includes special discount off standard variable personal loan indicator rates which is available on new loans and for a limited time.
Here’s how credit card consolidation works: You first decide if you want to take out a new loan, open a new credit card or enroll in a debt management plan (more on that later).