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Help With Credit Card Debt

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Do You Need Help With Credit Card Debt?

When you can’t pay your credit card, you will likely begin receiving calls from the credit card company (the company that issued the card) when you haven’t made the minimum payment for 30 days.

As you likely know, these calls will continue incessantly until someone has made voice contact with you. If you are in credit card debt and don’t answer your phone, then in a few months, the card issuer will pass on your information to one of over 7,000 third party collections agencies that operate in the US.

At this time, your credit rating or credit score will also start dropping, potentially affecting your ability to apply for a loan or mortgage, or renegotiate a loan or mortgage succesfully.

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Are you dealing with high credit card debt and are looking for a credit card debt relief program?

One of the fastest and easiest ways to get yourself into unmanageable or spiralling debt is using a credit card – and what can matter worse is having multiple credit cards. Another very dangerous debt “slope” is by having your credit card attached to various online shopping channels, which in many cases makes it extremely easy to purchase items with a simple click of a button on the keyboard.  

How Can I Clear My Credit Card Debt?

Clearing credit card debt can be extremely difficult because using a credit card can be a habit, and habits are extremely hard to break. If you are used to just pulling out your credit card to pay for items, then you may not realize what you have spent during the month, and you may not have enough money in your bank account to pay for it. After the credit card payment is due – and you don’t pay off your monthly purchases in full — you actually pay interest (which can be over 20 percent) on your purchase from the day of purchase. Now, can you see how it adds up and why credit card counselling is important.

There have been many financial gurus that have written books and created computer programs and apps to help you with credit card debt. There are also a plethora of credit card relief programs out there that can help. If you are in credit card debt over your head and you want to start to manage it, here are some ideas:

  • Write down what you owe on your computer screen or piece of paper. Be truthful about it. Is it over $5,000? Over $10,000? More than that? How does this make you feel? The truth is that you will likely never pay off a credit card by making the minimum monthly payments. If you are already not making monthly payments then it may be you need to work with a debt consolidation specialist that has a credit card debt relief program such as the team from DebtHelp USA.
  • If you have been able to continue making payments, then put the maximum amount of what you can – cash-wise – toward the highest balance/highest interest rate credit card you own. Do it faithfully. If you have a side job that earns you extra money – put that money toward the balance as well, even if the amount seems small, like $25 dollars a week – even a small amount can help with credit card debt.
  • Create an honest family budget and stick to it? Food, utilities and gas for the car to get to work are essentials. That new video game or card, or even $6 morning coffee with a flavour shot is not. One guru swears by the envelope system, so you take out cash each paycheque for the essentials, and you only use that cash for essentials. Once that money is gone, then you have to wait for your next pay. And, you need to have one fun envelope, especially if you have a family -so why not do something fairly inexpensive, like walk the local park and everyone can have an ice cream cone?
  • Stay focused and committed. Pay something toward that credit card each week. If it helps, take your credit cards out of your wallet or purse, and remove the information about your credit card from online shopping sites. Some people even freeze their credit cards into a block of ice in their freezer so they cannot use it. Try to get down to one card only, and cut all your other cards up. Don’t fall for the salespeople in the retail stores offering special interest rates or free stuff – once you say goodbye to credit, try to say goodbye to it for good.

And, know that if all else fails – like if you have a car emergency that you need to use your credit card to fix your vehicle, or you have a medical emergency and do not have private insurance  – that there are credit card debt relief programs, and credit card counselling services available at companies such as ours, Debt Helper USA.

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When you can’t pay your credit card, you will likely begin receiving calls from the credit card company (the company that issued the card) when you haven’t made the minimum payment for 30 days.

As you likely know, these calls will continue incessantly until someone has made voice contact with you. If you are in credit card debt and don’t answer your phone, then in a few months, the card issuer will pass on your information to one of over 7,000 third party collections agencies that operate in the US.

At this time, your credit rating or credit score will also start dropping, potentially affecting your ability to apply for a loan or mortgage, or renegotiate a loan or mortgage succesfully.

We will first do a face to face (or by telephone if you are more comfortable) credit counselling meeting with you with one of our certified credit card counsellors. We will do a deep-dive into your spending habits, your available finances, and your spending and savings plans.

If together we find out that you need help paying off your credit card debt, and that agreeing to work with a credit card debt relief program will help you to eliminate credit card debt, then we will work with you solve your problems. If you need to reach out for credit card counselling for help with credit card debt, call us today.

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If you are new to Debt Helper USA and interested in reducing credit card interest rates or payments, submit the following form to receive a call from one of our caring financial advisors within 48 hours.


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