One Percent Realtor Austin

Credit card debt is one of the most difficult types of debt to escape from. With the average credit card carrying an annual interest rate of about 20%, even small amounts of credit card debt can quickly become uncontrollable. Consumers struggling with credit card debt might benefit from these simple debt control tips.

Make More than the Minimum Monthly Payment

Credit card minimum payments consist of only two or three percent of the entire balance. Paying only the minimum means paying a maximum amount of interest over a longer period of time. Increasing monthly payments substantially cuts the amount of interest consumers ultimately pay on credit card debt.

Take Advantage of Balance Transfers

Consumers carrying credit debt on high interest cards should consolidate that debt onto cards with lower interest rates. Often cards offer low or zero percent interest rates as a promotional device, so care should be taken when seeking low interest credit cards. Other cards may carry penalties for those who may try to transfer balances within a 12 months of opening a new account.

If credit debt can't be consolidated onto lower interest cards, then those balances that carry higher interest rates should be paid off first. Bank loans may help consumers consolidate credit debt.

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