You can get rid of your Chase com credit cards by paying off the debt and canceling them. They will most likely continue to send you information and they do not make it easy to quit, but if you get on the phone with a representative, you should be able to.Also cut the card up so you can't use it again.
If you currently have a credit card, it may be time that you got rid of it. It is not necessarily a good idea to keep credit cards, especially if you are in debt and trying to get out. Credit cards should only be used in emergency situations when an unexpected expense comes up. Other than that, you should not be using your card to go grocery shopping with or to buy yourself a shirt at the local store. In order to stay out of debt, it is a wise idea to get rid of any credit card that you may have.
Yes, it is important to have open cards with good histories. Please see this website for more information: http://credit.about.com/od/toughcreditissues/a/closecards.htm
It is not recommended to apply for new credit cards or use the ones that you told the debt consolidation company that you can't afford the minimum payment. What is the point of using credit cards when you are trying to get out of debt? If you use any of the cards that are in the process of debt consolidation, the company can end your contract and what are you going to do to get rid of your debt?
To fix bad credit, it can be a time consuming proposition. First you should consolidate all of your credit cards and slowly get rid of them as you pay them off. Pay off your car payments and mortgage payments on time and also stay at a job for a long time. Eventually, you will be able to get a good credit rating.
Transfer your money to another credit card.
If you currently have a credit card, it may be time that you got rid of it. It is not necessarily a good idea to keep credit cards, especially if you are in debt and trying to get out. Credit cards should only be used in emergency situations when an unexpected expense comes up. Other than that, you should not be using your card to go grocery shopping with or to buy yourself a shirt at the local store. In order to stay out of debt, it is a wise idea to get rid of any credit card that you may have.
Yes, it is important to have open cards with good histories. Please see this website for more information: http://credit.about.com/od/toughcreditissues/a/closecards.htm
It is not recommended to apply for new credit cards or use the ones that you told the debt consolidation company that you can't afford the minimum payment. What is the point of using credit cards when you are trying to get out of debt? If you use any of the cards that are in the process of debt consolidation, the company can end your contract and what are you going to do to get rid of your debt?
Many people wonder, How can I ever pay my credit card bill? Perhaps they have amassed thousands of dollars in credit card debt and just feel overwhelmed by such debt. This is completely understandable, and there are many legitimate reasons a person may amass incredible amounts of credit card debt. A person may not intend to amass so much debt, but he or she may be a student in grad school and simply need to use credit cards to get by on a daily basis. Paying a credit card bill does not have to be overwhelming. Rather, a person can take a very methodical approach to eliminating credit card debt. First, a person should seek to pay off credit cards with the lowest balances on them possible. Getting rid of these credit cards will make a person's burden feel a lot lighter. A person should then get rid of the balances on cards that have high interest rates. Getting rid of balances on cards with high interest rates is critical for those people that may be paying large amounts of money in interest fees.
There is no right number. At one time I had 8 credit cards. I cut that down to 3 because I wanted to eliminate 5 opportunities for an identity thief to get a hold of a credit card number I rarely use. I was prompted to do this when my wallet was stolen with all 8 credit cards in it. I had to dig up the 800 numbers for all 8 of those cards to get them cancelled. That was a real pain. Right now I have two Visa's and an American Express. And I will most likely get rid of one of the Visa's and just go to 2 credit cards. If you insist on keeping multiple credit cards; I would put the majority of them in a safe place and not carry them in your wallet. I certainly wouldn't walk around with 15 credit cards in a single wallet. At this point I use my debit card a lot more than I do any of my pure Credit Cards. In the end Cash is best.
To fix bad credit, it can be a time consuming proposition. First you should consolidate all of your credit cards and slowly get rid of them as you pay them off. Pay off your car payments and mortgage payments on time and also stay at a job for a long time. Eventually, you will be able to get a good credit rating.
Transfer your money to another credit card.
The first thing to do is to get a copy of your credit report. If your score is below 550, you may need to apply for a bad credit loan which would have you paying very high interest. In this case, clean up your credit first. Get rid of credit cards that you don't use or ones that have low balances.
Closed accounts aren't deleted from your credit bureau till 6 years has passed. All it will show is that the balance is nil and the DLA (date of last activity) will show what month/yr, you had a nil balance on your statement. If you close all your old credit cards and keep your new ones, that might not be good either because the age of your credit cards are part of your score. it's best to keep and maintain your old credit cards and get rid of any unused new credit cards. Things to think about re:credit score is: maintaining good long established credit history, making sure your balances are low and not using more than 30% of your line of credit, and reducing the number of credit cards you have. My suggestion is to have 2 credit cards (one visa and one m/c) and maybe 1 extra card for emergencies only (make sure you use the emergency credit card every 6 months so it not considered inactive). This will help, so you don't have so many bills and you keep track of your purchases. And lastly, pay your bills in full and on time so that you're not charged the daily interest.
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The easiest way to get rid of a credit card debt is to take stock of finances. Some other easy ways to get rid of a credit card debt are to cash in investments, create a plan, file for bankruptcy and many more.
getting rid of all your cards