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Forum
-> Household Management
-> Finances
amother
OP
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Mon, May 13 2019, 11:38 am
I am looking for a way to consolidate all my credit card debt without refinancing. TIA
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amother
Saddlebrown
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Mon, May 13 2019, 11:42 am
Can you find a card that offers 0% APR for 12-18 months and no fee to roll over existing balances, then work on paying off that card?
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amother
OP
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Mon, May 13 2019, 12:03 pm
thank you so much for responding, I already used up those cards, unfortunately we have a lot of debt...
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amother
OP
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Mon, May 13 2019, 12:44 pm
OP here, is there anyway to consolidate my credit cards without reducing them and further ruining my credit? I just don't want to pay such a high interest rate like I am now. My mortgage rate is also low so I don't want to refinance..
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amother
Forestgreen
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Mon, May 13 2019, 12:49 pm
You don’t need to consolidate your mortgage when you do your credit cards. You can even choose which credit cards to settle, leaving one with a low apr running. There are lawyers who specialize in this, I would talk to them.
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amother
Jade
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Mon, May 13 2019, 12:51 pm
Call your credit cards and see if you can negotiate the rate. Or borrow more against your home.
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amother
Amber
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Mon, May 13 2019, 1:02 pm
Op, if you are hopelessly in credit card debt you might want to consider a deliberate default and settle with them. It will certainly ruin you credit for around 3 years, but if you already own a home, it's might be something to consider.
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baby12x
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Mon, May 13 2019, 1:07 pm
amother [ Jade ] wrote: | Call your credit cards and see if you can negotiate the rate. Or borrow more against your home. |
Dont borrow against your house. Please!!
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amother
OP
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Mon, May 13 2019, 1:15 pm
amother [ Amber ] wrote: | Op, if you are hopelessly in credit card debt you might want to consider a deliberate default and settle with them. It will certainly ruin you credit for around 3 years, but if you already own a home, it's might be something to consider. |
OP here, I can't settle, I don't have extra money...refinancing is not an option, I would love to and have 1 lower monthly payment...
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Wife1
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Mon, May 13 2019, 1:21 pm
You can take out home equity loan which you don't need to refinance low interest that's the best bet for big cc debt
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