Consilidating credit card debt

Credit unions are ideal because they offer more in the way of flexibility, lower fees, and more member-focused service.You will also have a chance at getting approved for a personal loan through a credit union even if you have poor credit.In addition, you'll have a fixed payment schedule that requires you to pay back the debt in 2 - 5 years (depending on the terms of the loan).That can help you avoid the minimum payment trap that can keep you in debt for years to come.To get approved for a debt consolidation loan, you will want to first decide on the loan type you want and whether it is an unsecured or secured loan.A secured loan requires collateral, but an unsecured loan (like a credit card) does not.

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If the interest rate on this new personal loan is lower than the interest rates on the different credit cards that you are consolidating, you'll save money.

We get lots of questions about debt consolidation at Credit.com, and that's because there are so many ways to consolidate debt.

Let's start with the basics: debt consolidation refers to the act of grouping all your different debts into one single debt.

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