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Can you lessen your credit card debts?

Updated: 9/15/2023
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12y ago

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You can through debt settlement, but you will also ding your credit score.

Now there is also credit card negotiation, which is negotiating a deal to lower your credit card interest rates. This process will lower your interest rate, lower your minimum payment, and allow you to pay off your debt faster. This is a much better alternative to debt settlement.

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12y ago
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Just because your name has changed doesn't mean that you don't have to pay credit card debts. They are still your debts to pay.


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You must have both a good credit score (600 or more) and little or no debts, you may qualify for a Barclays credit card. There are different categories that allow you to qualify for a Barclays credit card, which can be helpful for people with high credit scores but low debts or people with average credit scores with low debt. Remember that you might be denied a credit card even if you have a high credit score, due to high debts.


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