商业债务整理

Consolidating Credit Cards to a Single Account巩固单一账户信用卡

Consolidating Credit Cards to One Account一个巩固的信用卡帐户
by Scott Bilker由斯科特bilker

Scott Bilker is the author of the best-selling book "Credit Card and Debt Management."斯科特bilker是作者的畅销书"信用卡和债务管理" He is also the Editor and publisher of the FREE DebtSmart® E-mail Newsletter ( http://www.debtsmart.com ).他还编辑和出版自由debtsmart®电子邮件通讯(http://www.debtsmart.com). Sign up today!今天报名!

Hi Scott,喜史葛
I am a recent college graduate and I have accumulated about $4,000.00 worth of debt spread out in 4 different credit card accounts.我是一名大学生,最近我已经积累4,000.00元的债务约为4摊开在不同的信用卡帐户. I would like to transfer all of the balances to an account with a lower APR to save money and to make monthly payments more convenient.我想,把所有的帐户余额为降低电省钱做出每月付款更为便利. The problem is that I have not been able to be approved for a credit card with a limit of over $1500.00.问题是,我无法得到一个信用卡限额达1500.00. Besides having multiple cards near their credit limit, I have good credit and always make payments on time.除了多卡就近信贷额,我一直有良好的信用和按时付款. Is there anything that you can recommend?你有什么东西可以推荐? Please Help!请帮助!
--Mary--玛丽.

Mary,玛利亚

Thanks for writing!写作感谢!

I know just how you feel.我知道你是怎样的心情. I had the same situation when I was finished with college because I had to use my credit cards to help finance my senior year.我有相同的情况,当我完成了大学,因为我用我的信用卡为我的高级财务年度.

Here's the deal.这里的交易. The most important aspect of that debt is how much it's costing.最重要的方面,它的债务是多少成本. At least that's my opinion.至少这是我的看法. The best loan is the cheapest loan and I consider it worth the work to write four separate checks if the rates are worthwhile.最便宜的贷款和贷款我认为值得写四个独立的检查工作,如果税率是值得的.

Many people make the mistake of consolidating simply because they don't like the work involved with handling many accounts.许多人误巩固仅仅因为他们不喜欢的工作,处理许多帐户. The mistake is that they consolidate at a greater rate for the convenience of having one payment.错误是,他们在巩固提高率为方便有一金. It's a personal choice to decide if it's worth a little extra in interest charges to avoid dealing with four accounts.这是个人的选择,以决定是否值得一点钱,以免利息在处理四个帐户. It's not worth the extra cost for me.它的额外成本,不值得我.

If you do consolidate your accounts into one then please do not close your zero balance accounts!如果你巩固你一个帐户然后进入你不要接近零余额帐户! If you close your accounts you close your credit options.如果你关闭你的帐户你选择接近你的信用. You may need those other cards sometime in the future to make the current banks compete for your business.你可能需要其他卡有朝一日将争夺本届贵银行业务. You always want to have credit options and the best options, in my experience, emanate from banks that you have had a long relationship with.你总是希望能有最好的选择,选择和信用,根据我的经验,你来自银行有着长期的关系.

Now let's talk about consolidating and saving money!再来谈巩固和省钱!

You mentioned having trouble getting new lines of credit to consolidate that $4,000 but there's another strategy you should attempt.你提到有新的麻烦信贷额度越来越巩固,但有4,000的另一策略你应该尝试. Call each of your existing accounts and ask for their balance transfer department.请你们每个帐户现有余额,请他们转汇. Tell the rep, "I have about $3,000 of debt on other cards. If you (1) raise my credit limit, and (2) give me a great rate, I'll do the transfer right now otherwise I have three other banks to call!"告诉证,"我对其他债务约为3000卡.(1)如果你问我的信贷限额(二)给我一个伟大率我干的转移,否则现在我有三个要求其他银行!"

They may increase your credit limit on the spot by a few hundred dollars, they may do as you ask, they may need to get back to you, they may say no.你可以增加即期信用限额由数百元你问他们可以做,他们可能要回到你可以说不. No matter what happens, call each bank and see what they can do.不管发生什么事情,并呼吁各银行看到他们可以做. If they do give you a good offer, then transfer your balance.如果他们给你一个好的建议,那么你的平衡转移.

If they deny your credit line increase, then be sure to get a free copy of your credit report from the credit-reporting agency that the bank used to reject your line-increase request.如果他们否认你的信贷额度增加然后就能掌握您的信用报告免费索取从信用报告机构,银行拒绝你用线增加请求.

Good luck and please let me know what happens!好运让我知道发生什么事情,请!

Regards,问候
Scott斯科特

PS: And you can take that to the bank!聚苯乙烯:你可以到银行! :):)

For free information about how we can help you reduce your debt, please fill out our form .免费为您提供有关如何帮助您降低债务,我们请填写表格.

Debt Questions and Answers债务问答

Many Questions...Many Answers答:很多很多问题
by Scott Bilker由斯科特bilker

I want to thank everyone who watched my interview CN8 in New Jersey, Pennsylvania, and Delaware on January 3rd, 4th, 7th, and 11th!我要感谢每一位看过我的访谈cn8新泽西、宾州、德拉瓦州一月三日第四、第七、第十一! The show is "Real Life" hosted by Mary Amoroso and it airs at 6:00 PM daily.晚会"真人"玛丽主办amoroso它每天下午六时在架子.

After each show I received many great questions and many of these viewers allowed me to share their questions with everyone.每次表演我接到许多观众大问题,其中有不少让我和大家分享他们的提问. I received questions about mortgages, debt counselors, consolidation, credit histories, bankruptcy, medical bills, credit cards (of course), and many other topics.我接到有关抵押债务辅导员、巩固、信用历史、破产、医药费、信用卡(当然)和许多其他议题. Below are the some of those questions and answers.以下是其中一些问题和答案.

Question:问题:
I have approximately $20k in credit card debt, the bulk of this is from one credit card @ 22% rate.我有大约42年的信用卡债务,其中大部分是来自信用卡@22%税率. I am not a homeowner, so I am considering the services of one of the non profit debt counseling companies, i.e. AmeriDebt, Cambridge Credit Counseling.我不是房主,所以我正在考虑一项服务的非盈利性咨询公司债,即ameridebt,剑桥信用辅导. I have been paying the minimum payments on my credit cards each month, but I need to be paying more.我一直对我付出的最低金额每月信用卡,但须缴交更多. So far my credit report shows nothing abnormal.迄今为止我国信用报告表明什么异常. What will happen to my credit report/history if I use one of these credit counseling services?我会怎么样信用报告/史如果用其中信用咨询服务?
--Dan--丹

Answer:答:
Dan,丹

Thanks for writing!写作感谢!

It's hard to tell exactly what's going to happen to your credit history if you use their services.这很难说究竟会怎样你如果你使用其服务的信用历史. I would try to resolve the situation with each creditor one at a time.我会尽力解决境内各债权人一步一个脚印.

You can read about the experiences of one of my readers, with credit counselors, at:你可以读到我的一位读者经验,信用辅导员2878:
http://www.debtsmart.com/pages/article_contest_counsel.htmlhttp://www.debtsmart.com/pages/article_contest_counsel.html

I would also look into getting the as much of that debt to a lower rate card--make the banks compete for your business!我也看看那越来越多的债务率较低卡--使你的银行业务的竞争! You can probably get better rates from other banks because you seem to have a good credit history.你可以从其他银行利率可能变得更好,因为你好像有一个好的信用历史. Read my article about getting better credit at:看过这篇文章,约渐入佳境信用:
http://www.debtsmart.com/pages/article_getting_credit.htmlhttp://www.debtsmart.com/pages/article_getting_credit.html

Good luck and please let me know what happens!好运让我知道发生什么事情,请!

Regards,问候
Scott斯科特

business debt consolidation商业债务整理