Estrategias para reducir la deuda de las tarjetas de crédito
Source: https://sfs.jhu.edu/es/financial-wellness/strategies-for-reducing-credit-card-debt/ Parent: https://sfs.jhu.edu/financial-wellness/strategies-for-reducing-credit-card-debt/
28 de noviembre de 2022 Gestión de créditos
Vídeo: Estrategias para reducir la deuda de las tarjetas de crédito
Si tiene una gran deuda de tarjeta de crédito, hay algunas formas de reducirla.
First, immediately stop using your credit card. Limit easy access by hiding the card or removing it from your wallet.\ \ Second, put together a budget that includes paying more than your minimum credit card payment. It’s the only way you will get out of debt.\ \ Third, contact your credit card company and negotiate a lower rate. If you receive an introductory 0% interest rate credit card that allows for free balance transfers, consider transferring your higher balance/higher interest rate debt to it so that you can avoid interest charges during the introductory period. Read the fine print to confirm that balance transfers are free and included in the 0% introductory offer. Avoid making balance transfers to new cards as it can negatively affect your credit score.
Check out these additional resources on credit cards to learn more.
- 10 Things You Shouldn't Buy With Credit
- Credit Card Management Tips
- Basic Credit Card Types
- Lowering Your Credit Card Interest Rates