credit cards for consolidating debt

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Credit cards for consolidating debt

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Add to compare. See your approval odds. More information. Apply Now at Citi's Secure Site. Intro Balance Transfer Period 18 months. Our Take Read the full CreditCards. After that the variable APR will be Balance transfers must be completed within 4 months of account opening. Citi Flex Plan offers are made available at Citi's discretion.

Regular APR Show more less. Wells Fargo Platinum card. To earn cash back, pay at least the minimum due on time. After that, the variable APR will be Balance Transfers do not earn cash back. If you transfer a balance, interest will be charged on your purchases unless you pay your entire balance including balance transfers by the due date each month. After the intro APR offer ends, Paying late won't automatically raise your interest rate APR. Intro Balance Transfer Period 15 months. Show More Cards.

Back to top. Your Guide to Choosing the Best Balance Transfer Credit Card If you feel like you are in a never-ending cycle of credit card debt, there just might be a solution — consider the balance transfer card. Best credit cards for balance transfers Balance transfer credit card details What is a balance transfer?

What is a balance transfer credit card? The main benefits of a balance transfer credit card include: Avoid interest. Consolidate debt. If you are looking to simplify payments into one bill, a balance transfer card is an option.

This can help ensure you pay on time because you only have one bill to worry about. What is a balance transfer fee? How to save money with a credit card balance transfer So why would you get a balance transfer card? Understand your savings There are a number of items that will cut your costs when looking at a balance transfer card, including annual fee, balance transfer fees, length of offer and whether you will have a balance when the offer ends.

Avoid paying high interest. Keep in mind that you will pay interest on any balance you have after the offer ends typically months , but if you can pay off the debt before that, you can save hundreds of dollars. With a balance transfer card, you can consolidate debt from multiple cards, then pay a single bill each month. You might do this for convenience or for budgeting purposes. Improve your credit score. You will also have a higher overall credit limit.

By expanding available credit and paying down debt, you can improve your score. Cons: When does a balance transfer not make sense? You keep making late payments. Instead, set up an automatic payment through your bank and schedule it a few days before your due date to be on the safe side. You keep incurring debt.

Track your spending for a month, forgetting nothing. Then make a budget that includes room for fun and room for emergencies. Do the same with your credit card spending, and check your spending every week to make sure you are on track. You would not pay off before the offer ends. Instead, look at cards with longer offers, which can be up to 18 months.

That will allow you to pay a little less each month, and at the same time avoid interest. You owe a small amount. How to choose a balance transfer credit card When considering your balance transfer card options, not only the process having a good credit score , but also any fees, the offer length and even rewards.

Your credit score. Most balance transfer cards require good or excellent credit, so watch out for that. The introductory offer. The length of offer is a top concern, because it means you might have more time to pay off your balance. Terms and conditions. A few balance transfer cards offer no balance transfer fee, and most offer no annual fee.

Check for other terms, such as deadlines for when the transfers have to be made by. That said, if you are looking for a card for the long haul, rewards may be something to consider. Here are the steps you should follow: Check the rules. Pay attention to the rules, because some cards require the transfer to be made within 60 days of approval. Collect your information. Contact customer service. After receiving your balance transfer card, call customer service and inform them that you want to transfer a balance onto your new card.

Once you provide them with the necessary information, they will reach out to the old card company and move the requested amount onto your new card. Keep paying the minimum. We recommend that you pay the minimum amount on your old card until the transfer closes to avoid late fees and other penalties. Avoid new, unplanned charges.

Alternatives to a balance transfer Get a personal loan Depending on your situation and the offers available to you, it might make more sense to consolidate your debt with a personal loan. Renegotiate regular APR This involves simply making a phone call. Create an austere budget This is the toughest option, but perhaps the most straightforward.

Additional balance transfer resources How to do a balance transfer with an American Express credit card How to do a balance transfer with a Bank of America credit card How to do a balance transfer with a Capital One credit card How to do a balance transfer with a Chase credit card How to do a balance transfer with a Citi credit card How to do a balance transfer with a Discover credit card How to do a balance transfer with an HSBC credit card How to do a balance transfer with a U.

Bank credit card How to do a balance transfer with a Wells Fargo credit card. Frequently Asked Questions Who qualifies for a balance transfer? No balance transfer fee — A few credit cards offer no balance transfer fee. How much can you afford to pay each month?

This leaves a personal loan or balance transfer as the best possible option. Hide the old credit cards, and start using cash or debit to budget every month, so as to avoid the temptation to rack up new balances while paying off old debt. Those who need more time to repay balances can worry about that later. Plus, if the debt ultimately proves too large to be manageable, cardholders can be relieved that they didn't risk their home to consolidate the balance, or endure higher interest rates on a personal loan.

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The Ascent is a Motley Fool service that rates and reviews essential products for your everyday money matters. By submitting your email address, you consent to us sending you money tips along with products and services that we think might interest you.

You can unsubscribe at any time. Advertiser Disclosure We do receive compensation from some partners whose offers appear on this page. We have not reviewed all available products or offers. Compensation may impact the order in which offers appear on page, but our editorial opinions and ratings are not influenced by compensation. Search Icon Click here to search Search For. Credit Cards Top Picks.

Looking for a new credit card? Banking Top Picks. Looking for a place to park your cash? Brokerages Top Picks. Just getting started? Loans Top Picks. Thinking about taking out a loan? Mortgages Top Picks. Knowledge Knowledge Section. Recent Articles.

The Ascent Knowledge Credit Cards. Use a balance-transfer credit card It's somewhat ironic, but credit cards are one of the best tools for consolidating and eliminating credit card debt. The three following cards were selected from our list of the best balance-transfer credit cards.

Data source: card issuers. Image source: Getty Images. Consider a personal loan A personal loan may be a good way to consolidate and pay off credit card debt, but it's an inherently more expensive way to pay down debt than a balance-transfer credit card. Use your home equity A home-equity loan can be used to consolidate debt at a low interest rate and be repaid over the course of several years five years all the way up to 15, in some cases.

The best way to consolidate credit card debt Given the substantial risk with a home-equity loan, I think it should be thrown out completely as a way to refinance credit card debt. Facebook Icon This icon shares the page you are on via Facebook. Blue Twitter Icon Share this website with Twitter. Email Icon Share this website with email. Featured Articles. Best Credit Cards for

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The best senior dating sites Lower interest rates than personal loans. The initial application generates a soft credit pull that does not hurt your score, and you can get your loan money in one business day after approval. Instead, look at cards with longer offers, which can be up to 18 months. Having a good-credit co-signer improves your overall credit picture, but keep in mind that the co-signer shares some responsibility for the loan if you fail to make payments. Home Loan.
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Credit cards for consolidating debt Intro Balance Transfer Period 18 months. As a bonus, some financial institutions will make a payment directly to the creditors, saving you the hassle. Whether you choose a loan or a balance transfer, you can consolidate credit cards, store cards and gas cards; high-interest loans; medical bills and more. Should I consolidate debt? Here are three of the best ways to consolidate credit card debt, and the pros and cons of each method. Featured Articles. Transfer up to your available credit line Transfer high-interest debt from credit cards, store cards, loans, and more and save with a low promotional APR.
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In addition to debt counseling, these companies may also offer a service known as a debt management plan, or DMP. With a DMP, you make a single payment to a credit counseling company, which then divides that payment among your creditors. The company negotiates lower interest and fees on your behalf to hopefully lower your monthly debt obligation and help you pay your debt off faster. Keep in mind that even with nonprofit organizations, DMPs are rarely free.

Overview: Best Egg offers unsecured personal loans for a variety of purposes, including debt consolidation. Perks: There is no penalty if you pay your consolidation loan off ahead of schedule. What to watch out for: Origination fees range from 0. Read Bankrate's expert Best Egg Review. Overview: Payoff is different from other lenders in that its personal loans can only be used to consolidate credit card debt.

The application and approval process are done online. Perks: There are no application fees, prepayment penalties, late fees or annual fees. Borrowers with a credit score of or higher may qualify. What to watch out for: Origination fees range from 0 percent to 5 percent. Read Bankrate's expert Payoff Review. But you must have excellent credit and sufficient assets and income to qualify for a jumbo-size personal loan.

Perks: There are no origination fees or penalties for paying your debt consolidation loan off early. The application and approval process is done online, making it possible to get approved and have the money deposited into your account on the same day. Read Bankrate's expert LightStream Review. Overview: Pentagon Federal Credit Union, known as PenFed, offers unsecured, fixed-rate personal loans for debt consolidation. Credit unions generally have lower costs and fees than other lenders because they are not-for-profit businesses owned by their members.

Perks: PenFed does not charge origination fees, annual fees or prepayment penalties. Overview: OneMain Financial offers unsecured, fixed-rate personal loans to consumers with damaged credit. Loan amounts are smaller and rates are higher than typical debt consolidation personal loans, but the lender is still a good alternative to risky payday lenders.

Your credit history, income and debt load determine whether you qualify. Perks: There is no penalty for paying the loan off early. If you do not qualify for an unsecured personal loan, OneMain may accept your car, boat, RV or motorcycle as collateral, provided it is insured and is appraised at a sufficient value.

What to watch out for: OneMain charges an origination fee, which varies by state, and rolls it into the monthly payments. Late fees also vary by state. Overview: Discover offers unsecured personal loans for debt consolidation, with the option to pay creditors directly.

The average Discover borrower has very good credit. Perks: Discover personal loans have no origination fees, closing costs or prepayment penalties. Co-signers are also not permitted. Read Bankrate's expert Discover Review. Perks: Upstart does not charge prepayment penalties. The initial application generates a soft credit pull that does not hurt your score, and you can get your loan money in one business day after approval.

What to watch out for: You must have a U. Upstart also charges origination fees of up to 8 percent, which is steep. Read Bankrate's expert Upstart Review. What to watch out for: No co-signers are allowed, and it can take five days to receive your loan funds. Consumers with lackluster credit may not qualify. Once you decide whether or not a debt consolidation loan is the right move, shop around to find a lender that will provide you with the most competitive rates and fees based on your financial history and credit score.

You'll also need to become acquainted with the lender's requirements before you apply. This will ensure that you don't get hit with multiple hard credit checks while applying for loans that you aren't eligible for. When you repay a loan, you're not just paying back the amount you borrowed — you'll also pay an additional sum each month in the form of interest.

If you have a high interest rate, you'll be charged more on your outstanding balance, so it could take longer for you to pay off your debt. This would also more than double the amount of time it would take to pay off the loan, and the amount of interest you would pay during the repayment period would exceed the initial credit card balance. One of the biggest risks of a debt consolidation loan is the potential to go into deeper debt.

Unless you can rein in the spending that got you into debt in the first place, a debt consolidation loan will not help you. If you use the loan to pay off your credit cards and then start running up card balances again, you'll dig yourself into a deeper debt hole. The monthly payments can also be high. You have to be sure you can handle the payments until the loan is repaid. Best debt consolidation loans in April As of Monday Apr.

Advertiser Disclosure. Loan amount. Zip code. Annual income. Check Your Personal Loan Rates Answer a few questions to see which personal loans you pre-qualify for. The only advantage that a second mortgage or home-equity loan offers is more time to repay a balance. The disadvantages are the increased risk of foreclosure, potentially high upfront costs documentation fees and appraisals , and additional time and energy spent going through the underwriting process.

This leaves a personal loan or balance transfer as the best possible option. Hide the old credit cards, and start using cash or debit to budget every month, so as to avoid the temptation to rack up new balances while paying off old debt. Those who need more time to repay balances can worry about that later.

Plus, if the debt ultimately proves too large to be manageable, cardholders can be relieved that they didn't risk their home to consolidate the balance, or endure higher interest rates on a personal loan. Read The Ascent's full review for free and apply in just 2 minutes.

The Ascent does not cover all offers on the market. Editorial content from The Ascent is separate from The Motley Fool editorial content and is created by a different analyst team. The Ascent is a Motley Fool service that rates and reviews essential products for your everyday money matters. By submitting your email address, you consent to us sending you money tips along with products and services that we think might interest you.

You can unsubscribe at any time. Advertiser Disclosure We do receive compensation from some partners whose offers appear on this page. We have not reviewed all available products or offers. Compensation may impact the order in which offers appear on page, but our editorial opinions and ratings are not influenced by compensation. Search Icon Click here to search Search For. Credit Cards Top Picks.

Looking for a new credit card? Banking Top Picks. Looking for a place to park your cash? Brokerages Top Picks. Just getting started? Loans Top Picks. Thinking about taking out a loan? Mortgages Top Picks. Knowledge Knowledge Section. Recent Articles. The Ascent Knowledge Credit Cards. Use a balance-transfer credit card It's somewhat ironic, but credit cards are one of the best tools for consolidating and eliminating credit card debt.

The three following cards were selected from our list of the best balance-transfer credit cards. Data source: card issuers. Image source: Getty Images. Consider a personal loan A personal loan may be a good way to consolidate and pay off credit card debt, but it's an inherently more expensive way to pay down debt than a balance-transfer credit card. Use your home equity A home-equity loan can be used to consolidate debt at a low interest rate and be repaid over the course of several years five years all the way up to 15, in some cases.

The best way to consolidate credit card debt Given the substantial risk with a home-equity loan, I think it should be thrown out completely as a way to refinance credit card debt. Facebook Icon This icon shares the page you are on via Facebook. Blue Twitter Icon Share this website with Twitter. Email Icon Share this website with email.

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