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Credit Card Debt
Credit card debt is the most common reason people land here — it's revolving, the rate is usually the highest of anything in your wallet, and minimum payments are calculated to keep you paying for a long time. None of that means you did anything wrong; it means the product is built the way it's built.
Sound familiar?
- •Making minimum payments but the balance barely moves
- •Juggling several cards, each with its own due date and rate
- •Using one card to help cover another month's payment
- •Watching a promotional 0% rate expire soon
Options people in this situation weigh
- Consolidation into a single lower-rate loan or balance-transfer card, if your credit still qualifies
- A structured debt management plan through a credit counselor
- Debt settlement if payments are already unsustainable or accounts are delinquent
- Renegotiating directly with the issuer — some hardship programs exist without a third party
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