Trying to fix credit..?

[ChevyGirl]

I have a VISA ... 2300.00 .... I'm in the same boat you are, I really wish I could get it paid off. Every month I pay 200 or 300 dollars but nothing helps... all it does is pay the finace charges. I think Im just going to take out a loan to pay it off and then have lower interest when I pay the loan back.

[Kevykev]

I have a VISA ... 2300.00 .... I'm in the same boat you are, I really wish I could get it paid off. Every month I pay 200 or 300 dollars but nothing helps... all it does is pay the finace charges. I think Im just going to take out a loan to pay it off and then have lower interest when I pay the loan back.

You might want to get a new credit card wiht a 0% Intr oapr and transfer the balance! Rediculous finance charges can make payments seem ineffective.

[ISAtlanta300]

You might want to get a new credit card wiht a 0% Intr oapr and transfer the balance! Rediculous finance charges can make payments seem ineffective.

Exactly. Or if that does not help, try to negotiate your interest rate. It can be done and it takes a try. Some companies would rather lower your annual rate and maybe even extend you a 0% offer versus you just declaring bankrupt and them not getting their money. Mention the words "want your help to settle the debt with you" and they will listen.

[Julio]

I have a VISA ... 2300.00 .... I'm in the same boat you are, I really wish I could get it paid off. Every month I pay 200 or 300 dollars but nothing helps... all it does is pay the finace charges. I think Im just going to take out a loan to pay it off and then have lower interest when I pay the loan back.

Why are you back on this site? Just because you were baned like 3 years ago it doesnt mean I forgot..