Comments on: How I Reduced My Credit Card Interest Rates http://www.bloggingawaydebt.com/2006/08/how-i-reduced-my-credit-card-interest-rates/ Our Journey to a Debt-Free Life Mon, 13 Feb 2012 00:10:21 +0000 hourly 1 http://wordpress.org/?v=3.3.1 By: Kelly http://www.bloggingawaydebt.com/2006/08/how-i-reduced-my-credit-card-interest-rates/comment-page-1/#comment-1181338 Kelly Tue, 31 Jan 2012 20:48:40 +0000 http://www.bloggingawaydebt.com/2006/08/how-i-reduced-my-credit-card-interest-rates/#comment-1181338 Thank you for sharing! And I wasnt going to reply, until I read your last sentence! "In the end, always remember to do what is right for you and your situation because every situation is unique" I love that and love that you shared your success story! I help clients everyday get set up on a debt management program, and your motto is exactly what I feel when I am working with my clients! ClearPoint Credit Counseling(www.clearpointccs.org) offers debt management plans, with lower APR's and payments, and your debts are paid off in 60 months or less! We also educate the client, so that they do not fall into the same cycle after the plan is finished! Debt settlement is NOT the way to go! Debt Doctors are not the way to go, and Bankruptcy should be everyone's last resort! Thank you, Kelly Thank you for sharing! And I wasnt going to reply, until I read your last sentence! “In the end, always remember to do what is right for you and your situation because every situation is unique” I love that and love that you shared your success story! I help clients everyday get set up on a debt management program, and your motto is exactly what I feel when I am working with my clients! ClearPoint Credit Counseling(www.clearpointccs.org) offers debt management plans, with lower APR’s and payments, and your debts are paid off in 60 months or less! We also educate the client, so that they do not fall into the same cycle after the plan is finished! Debt settlement is NOT the way to go! Debt Doctors are not the way to go, and Bankruptcy should be everyone’s last resort! Thank you, Kelly

]]> By: ester http://www.bloggingawaydebt.com/2006/08/how-i-reduced-my-credit-card-interest-rates/comment-page-1/#comment-1089836 ester Mon, 06 Sep 2010 09:48:40 +0000 http://www.bloggingawaydebt.com/2006/08/how-i-reduced-my-credit-card-interest-rates/#comment-1089836 Thanks for sharing your experiences and your views. I loved the way you have concluded the post, with a great line- 'In the end, always remember to do what is right for you and your situation because every situation is unique.' This is actually a sincere suggestion. We have to find out different solutions according to different situations. Thanks for sharing your experiences and your views. I loved the way you have concluded the post, with a great line- ‘In the end, always remember to do what is right for you and your situation because every situation is unique.’ This is actually a sincere suggestion. We have to find out different solutions according to different situations.

]]> By: Robert Brown http://www.bloggingawaydebt.com/2006/08/how-i-reduced-my-credit-card-interest-rates/comment-page-1/#comment-916752 Robert Brown Fri, 30 Oct 2009 23:00:41 +0000 http://www.bloggingawaydebt.com/2006/08/how-i-reduced-my-credit-card-interest-rates/#comment-916752 Debt settlement is an agreement between a debtor and a creditor to fully satisfy a debt for a lesser payoff amount. A debt settlement is usually reached when a debtor is unable to fully meet his/her debt obligations due to financial hardships. Debt settlement is also called debt negotiation. Technically speaking, a debt settlement is the agreement while debt negotiation is the process through which both parties reach that agreement. Debt settlement programs are designed to assist consumers with a financial hardship to settle their debt through debt negotiation. Debt settlement specialists will negotiate a less than full balance settlement to resolve the debt. Credit cards, medical bills and other personal unsecured lines of credit may be eligible for a hardship settlement. To discuss debt settlement and find out what your options are to get out of debt contact a debt analyst today. You can call Contact - Robert 224-420-9698 "Your Friendly Debt Analyst" Debt settlement is an agreement between a debtor and a creditor to fully satisfy a debt for a lesser payoff amount. A debt settlement is usually reached when a debtor is unable to fully meet his/her debt obligations due to financial hardships. Debt settlement is also called debt negotiation. Technically speaking, a debt settlement is the agreement while debt negotiation is the process through which both parties reach that agreement.

Debt settlement programs are designed to assist consumers with a financial hardship to settle their debt through debt negotiation. Debt settlement specialists will negotiate a less than full balance settlement to resolve the debt. Credit cards, medical bills and other personal unsecured lines of credit may be eligible for a hardship settlement. To discuss debt settlement and find out what your options are to get out of debt contact a debt analyst today. You can call

Contact – Robert
224-420-9698
“Your Friendly Debt Analyst”

]]> By: Rockon http://www.bloggingawaydebt.com/2006/08/how-i-reduced-my-credit-card-interest-rates/comment-page-1/#comment-905110 Rockon Thu, 01 Oct 2009 06:21:49 +0000 http://www.bloggingawaydebt.com/2006/08/how-i-reduced-my-credit-card-interest-rates/#comment-905110 I am very pleased and very impressed! I look forward to spending more time here.Very informative and a great place for resources… I am very pleased and very impressed! I look forward to spending more time here.Very informative and a great place for resources…

]]> By: nathalie http://www.bloggingawaydebt.com/2006/08/how-i-reduced-my-credit-card-interest-rates/comment-page-1/#comment-838313 nathalie Fri, 10 Jul 2009 16:32:35 +0000 http://www.bloggingawaydebt.com/2006/08/how-i-reduced-my-credit-card-interest-rates/#comment-838313 Your story is really close to home. It is true that there are just some bank institutions that would really squeeze out all your finances just to be paid. Considerations are something alien to them. Your story is really close to home. It is true that there are just some bank institutions that would really squeeze out all your finances just to be paid. Considerations are something alien to them.

]]> By: Phil http://www.bloggingawaydebt.com/2006/08/how-i-reduced-my-credit-card-interest-rates/comment-page-1/#comment-722709 Phil Thu, 26 Mar 2009 03:41:07 +0000 http://www.bloggingawaydebt.com/2006/08/how-i-reduced-my-credit-card-interest-rates/#comment-722709 Very informative and a great place for resources...I am very pleased and very impressed! I look forward to spending more time here. Very informative and a great place for resources…I am very pleased and very impressed! I look forward to spending more time here.

]]> By: Phil http://www.bloggingawaydebt.com/2006/08/how-i-reduced-my-credit-card-interest-rates/comment-page-1/#comment-706960 Phil Tue, 10 Mar 2009 01:41:48 +0000 http://www.bloggingawaydebt.com/2006/08/how-i-reduced-my-credit-card-interest-rates/#comment-706960 Great inspiration to help me stay the course. I still have a lot of debt, but you gave me some definite ideas for solutions. Kudos! Great inspiration to help me stay the course. I still have a lot of debt, but you gave me some definite ideas for solutions. Kudos!

]]> By: will http://www.bloggingawaydebt.com/2006/08/how-i-reduced-my-credit-card-interest-rates/comment-page-1/#comment-534941 will Wed, 29 Oct 2008 17:12:20 +0000 http://www.bloggingawaydebt.com/2006/08/how-i-reduced-my-credit-card-interest-rates/#comment-534941 Your story is a good one and the fact that you have the persistence to stay the course will be th reason you succeed. Your story should certainly inspire others to take control of their financial lives. Will Your story is a good one and the fact that you have the persistence to stay the course will be th reason you succeed. Your story should certainly inspire others to take control of their financial lives.

Will

]]> By: James Roberts http://www.bloggingawaydebt.com/2006/08/how-i-reduced-my-credit-card-interest-rates/comment-page-1/#comment-487949 James Roberts Sat, 28 Jun 2008 05:34:14 +0000 http://www.bloggingawaydebt.com/2006/08/how-i-reduced-my-credit-card-interest-rates/#comment-487949 I know what you are talking about. During these tight times and the dollar at an all time low, food ,gas and gold are super high. How do they expect us to pay the high interest rates.Thats why when i need to use credit cards i only use my business cards. To protect my personal credit score. I know what you are talking about. During these tight times and the dollar at an all time low, food ,gas and gold are super high. How do they expect us to pay the high interest rates.Thats why when i need to use credit cards i only use my business cards. To protect my personal credit score.

]]> By: Doris http://www.bloggingawaydebt.com/2006/08/how-i-reduced-my-credit-card-interest-rates/comment-page-1/#comment-295239 Doris Thu, 03 Jan 2008 23:16:01 +0000 http://www.bloggingawaydebt.com/2006/08/how-i-reduced-my-credit-card-interest-rates/#comment-295239 I'm always looking for ways to pay off credit card debt. I view credit card debt as being evil. It sucks you in and swallows you up. Situations that are out of your control happens and because of an accident, illness, death, or other unfortunate circumstances, you find yourself not being able to pay your debts. After having A-1 credit for 20, 30 and 40 years and you always paid your bills on time, you're at a point where your interest rate on your credit cards has risen from 2-4% up to 30%. How do you deal with such ludicracy? I’m always looking for ways to pay off credit card debt.
I view credit card debt as being evil. It sucks you in and swallows you up. Situations that are out of your control happens and because of an accident, illness, death, or other unfortunate circumstances, you find yourself not being able to pay your debts. After having A-1 credit for 20, 30 and 40 years and you always paid your bills on time, you’re at a point where your interest rate on your credit cards has risen from 2-4% up to 30%. How do you deal with such ludicracy?

]]> By: Credit Card Debt http://www.bloggingawaydebt.com/2006/08/how-i-reduced-my-credit-card-interest-rates/comment-page-1/#comment-289701 Credit Card Debt Sat, 29 Dec 2007 08:33:27 +0000 http://www.bloggingawaydebt.com/2006/08/how-i-reduced-my-credit-card-interest-rates/#comment-289701 I've found that the best thing to do is work with the credit card companies to pay off the debt. I've requested a lot from them - reduced rate, forgiveness of fees etc. More often than not one will find that they are willing to work with you. I’ve found that the best thing to do is work with the credit card companies to pay off the debt. I’ve requested a lot from them – reduced rate, forgiveness of fees etc. More often than not one will find that they are willing to work with you.

]]> By: Debt Advice Online Blog » Blog Archive » The Problem That Is British Credit Card Debt http://www.bloggingawaydebt.com/2006/08/how-i-reduced-my-credit-card-interest-rates/comment-page-1/#comment-276226 Debt Advice Online Blog » Blog Archive » The Problem That Is British Credit Card Debt Thu, 20 Dec 2007 16:54:03 +0000 http://www.bloggingawaydebt.com/2006/08/how-i-reduced-my-credit-card-interest-rates/#comment-276226 [...] credit card debt is fast becoming unmanageable. As the cost of living keeps on rising and salary payments remain [...] [...] credit card debt is fast becoming unmanageable. As the cost of living keeps on rising and salary payments remain [...]

]]> By: Karen http://www.bloggingawaydebt.com/2006/08/how-i-reduced-my-credit-card-interest-rates/comment-page-1/#comment-223752 Karen Thu, 22 Nov 2007 12:57:14 +0000 http://www.bloggingawaydebt.com/2006/08/how-i-reduced-my-credit-card-interest-rates/#comment-223752 It sometimes seems to me while reading various life stories that when you get a credit card the only thing you have to do all the time is to strive for lowering interest rates and paying off your bills on time. It sometimes seems to me while reading various life stories that when you get a credit card the only thing you have to do all the time is to strive for lowering interest rates and paying off your bills on time.

]]> By: Kneerfugsgesy http://www.bloggingawaydebt.com/2006/08/how-i-reduced-my-credit-card-interest-rates/comment-page-1/#comment-176926 Kneerfugsgesy Thu, 18 Oct 2007 23:00:32 +0000 http://www.bloggingawaydebt.com/2006/08/how-i-reduced-my-credit-card-interest-rates/#comment-176926 I’ve got an Amazon gift certificate burning holes in my pocket, and I want to get the most bang for my buck. Enter the Secret Amazon Web Pages: http://bargains-hunter.blogspot.com/2007/10/how-to-find-bargains-at-amazons-secret.html <a href="http://bargains-hunter.blogspot.com/2007/10/how-to-find-bargains-at-amazons-secret.html" rel="nofollow">Bargains Hunter</a> This is where you’re going to find the "latest sales, rebates, and limited-time offers" from Amazon, and you can score some pretty deep discounts if you’re a savvy shopper. Next, there’s the special Sale link. This is open every Friday, and ONLY on Fridays. You can find the same good discounts here as you would in hidden Deals, although some Fridays you can really get lucky and make off like an Amazon bandit - I’ve seen discounts there as low as 75% off sticker price. I’ve got an Amazon gift certificate burning holes in my pocket,
and I want to get the most bang for my buck.

Enter the Secret Amazon Web Pages:

http://bargains-hunter.blogspot.com/2007/10/how-to-find-bargains-at-amazons-secret.html
Bargains Hunter

This is where you’re going to find the “latest sales, rebates, and limited-time offers” from
Amazon, and you can score some pretty deep discounts if you’re a savvy shopper.

Next, there’s the special Sale link. This is open every Friday, and ONLY on Fridays.

You can find the same good discounts here as you would in hidden Deals, although some
Fridays you can really get lucky and make off like an Amazon bandit – I’ve seen discounts
there as low as 75% off sticker price.

]]> By: DP http://www.bloggingawaydebt.com/2006/08/how-i-reduced-my-credit-card-interest-rates/comment-page-1/#comment-130472 DP Thu, 30 Aug 2007 00:09:22 +0000 http://www.bloggingawaydebt.com/2006/08/how-i-reduced-my-credit-card-interest-rates/#comment-130472 For those who need a low rate card, but still have the credit score to get one - should consider the UFCU Great Rate Visa for Mastercard. It's a fixed 6.90% for purchases and cash advances, but requires a +720 credit score. For those who need a low rate card, but still have the credit score to get one – should consider the UFCU Great Rate Visa for Mastercard. It’s a fixed 6.90% for purchases and cash advances, but requires a +720 credit score.

]]> By: No Credit Needed » Blog Archive » Carnival of Debt Reduction (Special Audio Edition) http://www.bloggingawaydebt.com/2006/08/how-i-reduced-my-credit-card-interest-rates/comment-page-1/#comment-67354 No Credit Needed » Blog Archive » Carnival of Debt Reduction (Special Audio Edition) Tue, 12 Jun 2007 11:35:32 +0000 http://www.bloggingawaydebt.com/2006/08/how-i-reduced-my-credit-card-interest-rates/#comment-67354 [...] Blogging Away Debt with an article about decreasing credit card interest rates. This is a super article, and it actually deals with the topic at hand: DEBT REDUCTION! YES! [...] [...] Blogging Away Debt with an article about decreasing credit card interest rates. This is a super article, and it actually deals with the topic at hand: DEBT REDUCTION! YES! [...]

]]> By: Jenn http://www.bloggingawaydebt.com/2006/08/how-i-reduced-my-credit-card-interest-rates/comment-page-1/#comment-63047 Jenn Sat, 02 Jun 2007 18:44:55 +0000 http://www.bloggingawaydebt.com/2006/08/how-i-reduced-my-credit-card-interest-rates/#comment-63047 I'm sure you already know this but I came upon your site and thought I'd mention it. Make sure you are paying off your higher interest cards/loans first. Take every penny you can and out to the highest rate. This is the debt that is costing you the most money. If you have to pay only $50 0ver the minimum on other cards, do it to pay off the higher interest card firt. The once that is gone, take all the money you were sending to the first card PLUS the money usually sent to the next card and pay it off. Keep doing this until you get to your low interest loans and then pay them off too. This saves you money on interest and allws more money to go towards the debt itself. Hope it helps. I’m sure you already know this but I came upon your site and thought I’d mention it. Make sure you are paying off your higher interest cards/loans first. Take every penny you can and out to the highest rate. This is the debt that is costing you the most money. If you have to pay only $50 0ver the minimum on other cards, do it to pay off the higher interest card firt. The once that is gone, take all the money you were sending to the first card PLUS the money usually sent to the next card and pay it off. Keep doing this until you get to your low interest loans and then pay them off too.

This saves you money on interest and allws more money to go towards the debt itself. Hope it helps.

]]> By: Two Ideas for Your Credit Card Debt Reduction Plan : Blogging Away Debt http://www.bloggingawaydebt.com/2006/08/how-i-reduced-my-credit-card-interest-rates/comment-page-1/#comment-22827 Two Ideas for Your Credit Card Debt Reduction Plan : Blogging Away Debt Wed, 14 Feb 2007 17:54:54 +0000 http://www.bloggingawaydebt.com/2006/08/how-i-reduced-my-credit-card-interest-rates/#comment-22827 [...] There are several things you can do to lower your interest payments. The first thing to do is to call your credit card company and simply ask them to lower your payments. You will have a much stronger bargaining position if you have always paid your bills on time and have a credit score that is improving. See Tricia’s article on How I reduced my credit card interest rate. [...] [...] There are several things you can do to lower your interest payments. The first thing to do is to call your credit card company and simply ask them to lower your payments. You will have a much stronger bargaining position if you have always paid your bills on time and have a credit score that is improving. See Tricia’s article on How I reduced my credit card interest rate. [...]

]]> By: DEBTective http://www.bloggingawaydebt.com/2006/08/how-i-reduced-my-credit-card-interest-rates/comment-page-1/#comment-1006 DEBTective Wed, 30 Aug 2006 20:40:58 +0000 http://www.bloggingawaydebt.com/2006/08/how-i-reduced-my-credit-card-interest-rates/#comment-1006 Great story (and great job) paying off the plastic, babe. But I know an even better way to not pay interest on credit cards. Don't use 'em. Keep deep-sixing your debt as fast as you can and start saving the dough. Here's looking at you, kid. Great story (and great job) paying off the plastic, babe. But I know an even better way to not pay interest on credit cards. Don’t use ‘em. Keep deep-sixing your debt as fast as you can and start saving the dough. Here’s looking at you, kid.

]]> By: Blogging Away Debt » Blog Archive » Welcome Readers from All Financial Matters! http://www.bloggingawaydebt.com/2006/08/how-i-reduced-my-credit-card-interest-rates/comment-page-1/#comment-957 Blogging Away Debt » Blog Archive » Welcome Readers from All Financial Matters! Sun, 27 Aug 2006 06:17:56 +0000 http://www.bloggingawaydebt.com/2006/08/how-i-reduced-my-credit-card-interest-rates/#comment-957 [...] As JLP mentioned, probably the best place to start to learn a little bit more about me and what I am doing is to visit my about me page. I am pretty darn determined to get rid of our debt and I hope I am giving others a great look over my shoulder as to what we are doing such as reducing interest rates and saving money. [...] [...] As JLP mentioned, probably the best place to start to learn a little bit more about me and what I am doing is to visit my about me page. I am pretty darn determined to get rid of our debt and I hope I am giving others a great look over my shoulder as to what we are doing such as reducing interest rates and saving money. [...]

]]> By: John http://www.bloggingawaydebt.com/2006/08/how-i-reduced-my-credit-card-interest-rates/comment-page-1/#comment-892 John Tue, 22 Aug 2006 05:43:09 +0000 http://www.bloggingawaydebt.com/2006/08/how-i-reduced-my-credit-card-interest-rates/#comment-892 I'm glad you got a better rate through Prosper. The next time you get an offer for 0% intro rate, go for it. See what they say. The worst they can say is no thanks. Then keep living dirt-cheap and working your heart you, and you will turn the tables on them. I did it. You can, too. I’m glad you got a better rate through Prosper.

The next time you get an offer for 0% intro rate, go for it. See what they say. The worst they can say is no thanks. Then keep living dirt-cheap and working your heart you, and you will turn the tables on them. I did it. You can, too.

]]> By: Michelle Brown http://www.bloggingawaydebt.com/2006/08/how-i-reduced-my-credit-card-interest-rates/comment-page-1/#comment-883 Michelle Brown Mon, 21 Aug 2006 22:00:12 +0000 http://www.bloggingawaydebt.com/2006/08/how-i-reduced-my-credit-card-interest-rates/#comment-883 I just read about you in the newspaper. WOW! You really put yourself out there for everyone to see! I am really impressed that you would do that with no gain for yourself (except that it keeps you accountable). I want to congratulate you on a job well done! I've heard about the headaches people get from going off caffeine. I hope yours go away soon. Just another word of encouragement on quitting smoking--once you've gone a year without smoking, your health, life, car, and house insurance premiums will go down! Not to mention how much you'll save on cigarettes and doctor bills for related illnesses! So once you quit, immediately put it in your blog so that you have some sort of "proof" in case an insurance agent needs that info. Michelle Brown I just read about you in the newspaper. WOW! You really put yourself out there for everyone to see! I am really impressed that you would do that with no gain for yourself (except that it keeps you accountable). I want to congratulate you on a job well done! I’ve heard about the headaches people get from going off caffeine. I hope yours go away soon. Just another word of encouragement on quitting smoking–once you’ve gone a year without smoking, your health, life, car, and house insurance premiums will go down! Not to mention how much you’ll save on cigarettes and doctor bills for related illnesses! So once you quit, immediately put it in your blog so that you have some sort of “proof” in case an insurance agent needs that info.
Michelle Brown

]]> By: Blogging Away Debt » Blog Archive » The 10 Things We did to Erase Almost $9,000 in Credit Card Debt in Less Than 6 Months http://www.bloggingawaydebt.com/2006/08/how-i-reduced-my-credit-card-interest-rates/comment-page-1/#comment-831 Blogging Away Debt » Blog Archive » The 10 Things We did to Erase Almost $9,000 in Credit Card Debt in Less Than 6 Months Fri, 18 Aug 2006 03:49:43 +0000 http://www.bloggingawaydebt.com/2006/08/how-i-reduced-my-credit-card-interest-rates/#comment-831 [...] 7.) We worked to reduce the interest rates on our credit cards. This one wasn’t that easy when we started out paying off our debt. Some people can call their credit cards and get their rates lowered. I wasn’t one of them until I started knocking down the balance on the credit card. Then they listened. For more on this one, visit my post here. We also used balance transfers to shift debt around at lower rates and even tried prosper.com to refinance some of our debt. [...] [...] 7.) We worked to reduce the interest rates on our credit cards. This one wasn’t that easy when we started out paying off our debt. Some people can call their credit cards and get their rates lowered. I wasn’t one of them until I started knocking down the balance on the credit card. Then they listened. For more on this one, visit my post here. We also used balance transfers to shift debt around at lower rates and even tried prosper.com to refinance some of our debt. [...]

]]> By: Tricia http://www.bloggingawaydebt.com/2006/08/how-i-reduced-my-credit-card-interest-rates/comment-page-1/#comment-725 Tricia Fri, 11 Aug 2006 00:37:56 +0000 http://www.bloggingawaydebt.com/2006/08/how-i-reduced-my-credit-card-interest-rates/#comment-725 I would definitely suggest that people at least check it out if they cannot lower their interest rates otherwise. I enjoyed my experience with Prosper and I have received some great advice from Lenders and they are welcome at any time to speak up if they see me wandering from the path to become debt-free. I have actually went into a bank and asked for a loan just to pay off a credit card and they turned me away flat out. With Prosper, I feel that borrowers have a better opportunity of stating their case and it's more personal. I would definitely suggest that people at least check it out if they cannot lower their interest rates otherwise. I enjoyed my experience with Prosper and I have received some great advice from Lenders and they are welcome at any time to speak up if they see me wandering from the path to become debt-free.

I have actually went into a bank and asked for a loan just to pay off a credit card and they turned me away flat out. With Prosper, I feel that borrowers have a better opportunity of stating their case and it’s more personal.

]]> By: Andrew http://www.bloggingawaydebt.com/2006/08/how-i-reduced-my-credit-card-interest-rates/comment-page-1/#comment-720 Andrew Thu, 10 Aug 2006 23:35:35 +0000 http://www.bloggingawaydebt.com/2006/08/how-i-reduced-my-credit-card-interest-rates/#comment-720 This ia a great story for others to read. My wife and I are currently tracking our budget so as to maximize our savings and pay off a few last debts. You are the second person I heard who has used Prosper.com. It seems like it worked well for you. Do you recommend Prosper.com for others? This ia a great story for others to read. My wife and I are currently tracking our budget so as to maximize our savings and pay off a few last debts. You are the second person I heard who has used Prosper.com. It seems like it worked well for you. Do you recommend Prosper.com for others?

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