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Debt Consolidation
About Credit Card Refinancing Interest rates are never as low as we’d like — or sometimes need them to be – but credit card refinancing is one step consumers can…
Procrastination is considered a bad habit for a good reason. Credit card debt is often the same kind of kick-the-can-down-the-road behavior with far more serious consequences than simply putting off…
American consumers have rebuilt the nation’s credit card debt to record levels and in the process rekindled the debate about whether debt management or a debt consolidation loan is the…
What Is a Debt Consolidation Program? Debt consolidation combines high-interest credit card bills into a single monthly payment at a reduced interest rate. Paying less interest saves money and allows…
What Is a High Debt-to-Income Ratio? A debt-to-income ratio (DTI) is a calculation that lenders rely on to measure the percentage of your income that you use to pay your…
What Is Debt Consolidation? Debt consolidation is a debt-relief option that combines multiple debts into a single payment with a more favorable interest rate and more affordable monthly payment. The…
Like consumers with an assortment of credit card debts, businesses with multiple loans can face tricky payment decisions that can be a burden on operations. For many, the solution is…
If your debt has reached a crisis point where you’re paying what you can afford but not making progress in reducing the debt, you’re right to be concerned. You’ve likely…
If you are a recent college graduate, chances are you’re still struggling to wrap your head around the student loan crisis sweeping America. Here’s the gist of it: Student loan…
What Is Credit Card Consolidation? So, you’ve over-succumbed to the siren song of American consumerism. Don’t beat yourself up; those Mad Men (and Women) remain magnificent at marketing pricey lifestyle…
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Sources:
- Alix, L. (2019, May 14) What’s behind the rise in credit card delinquencies. Retrieved from https://www.americanbanker.com/news/whats-behind-the-rise-in-credit-card-delinquencies
- Manning, B. (2019, May 14) Total Household Debt Rises for 19th Straight Quarter, Now Nearly $1 Trillion Above Previous Peak. Retrieved from https://www.newyorkfed.org/newsevents/news/research/2019/20190514
- N.A. (2019, May) Quarterly Report On Household Debt And Credit. Retrieved from https://www.newyorkfed.org/medialibrary/interactives/householdcredit/data/pdf/HHDC_2019Q1.pdf
- N.A. (ND) Terms of Credit at Commercial Banks and Finance Companies. Retrieved from https://www.federalreserve.gov/releases/g19/HIST/cc_hist_tc_levels.html
- Carrns, A. (2019, July 5) How to Manage Your Credit Card Bills, Which Experts Say Are Late More Often. Retrieved from https://www.nytimes.com/2019/07/05/your-money/credit-cards-late-payments.html
- White, A. (2019, July 1) Credit Scores That Get Balance Transfer Credit Cards. Retrieved from https://www.magnifymoney.com/blog/balance-transfer/credit-score-balance-transfer824575760/
- Pitterson, S. (2020, August) Total Household Debt Decreased in Q2 2020, Marking First Decline Since 2014. Retrieved from https://www.newyorkfed.org/newsevents/news/research/2020/20200806
- Nicastro, S. (2020, July) 5 Ways to Consolidate Credit Card Debt. Retrieved from https://www.nerdwallet.com/article/loans/personal-loans/consolidate-credit-card-debt-personal-loan
- N.A. (2019, May) Credit Card Refinancing vs Consolidation. Retrieved from https://www.sofi.com/learn/content/credit-card-refinancing-vs-consolidation/
- N.A. (ND) Credit Card Refinancing. Retrieved from https://www.bestegg.com/personal-loans/credit-card-refinancing-loan/
- N.A. (2019, September) What is credit card refinancing? Retrieved from https://wallethub.com/answers/cc/credit-card-refinancing-2140666079/#:~:text=Credit%20card%20refinancing%20is%20the,consolidating%20multiple%20balances%20into%20one.
- Ladika, S. (2020, February) Credit card refinancing vs. debt consolidation. Retrieved from https://www.bankrate.com/debt/debt-consolidation/credit-card-refinancing-vs-debt-consolidation/