I did this 3 years ago took a personal loan with one payment and learned responsible credit habits after while growing my credit card portfolio and score.
Thank you my friend.❤️ Same here! The snowball method has always worked best for me in the past. Seeing those small wins really motivates me to keep paying down the other cards, hehe. 🫡
Wow… such a helpful video!! It’s sad how much debt we all have. The personal loan idea to consolidate all credit card balances is a great idea! Thank you for this 🙏 OH and Part 2!! 🤩🤓🎉
Good advice to most viewers that carry a balance monthly. But when opportunity to pay card off in 20 days, then skip the fees and just pay it! if i carry a balance, it is never for more than 1 month , maybe 2 times a year.
You spend too much time with the 0 percent balance transfers . Most of the people with credit car troubles won't qualify for the 0 or lower interest rate.
Not necessarily. Many people with credit card debt still have a decent credit score. To get approved for 0% interest cards, like the Discover It Cash Back, you usually just need a FICO score of at least 670 or a VantageScore of at least 661 which is pretty low. If your score is lower than that, what you can do is try to improve it using some of the tips I mentioned (ex: snowball & avalanche method).) Once your score is around 670+, you can start applying for no-interest cards and use them to pay off your debt during the 0% interest period. The goal of this video was to point out the different ways to simplify paying off credit card debt. If you can’t qualify for a 0% interest card, consider a personal loan or follow any of the other mentioned tips. Goodluck! 🤞🏽💕
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📝Free Guide: How to Pay Off Credit Card Debt!: dayanaplays.com/payoffcreditcard
got rid of $22 k in 1.5 years transferring most of that to a couple credit cards with 0% for 18 months , this a great video 🥰
That's what I'm talking about! Congrats Sergio! 🥳❤️
How’d you get approved for one with 22k in the hole?
I did this 3 years ago took a personal loan with one payment and learned responsible credit habits after while growing my credit card portfolio and score.
@@shawn.credit love that! ❤️
I owed four grand on a credit card on a credit card a few years ago. I asked the bank for a loan and was able pay off
That’s awesome that you took charge and paid off that balance! Congrats on making it happen! 😊
Perfect step by step guidance ! 🎉
Thank you so much my friend! ❤️
Great video. I personally like the snowball method it helps and I try to keep my utilization below 30% and see my score go up.
Thank you my friend.❤️ Same here! The snowball method has always worked best for me in the past. Seeing those small wins really motivates me to keep paying down the other cards, hehe. 🫡
Great advice and SOFI is now on my radar thanks to your videos. Keep them coming.
Wow… such a helpful video!! It’s sad how much debt we all have. The personal loan idea to consolidate all credit card balances is a great idea! Thank you for this 🙏 OH and Part 2!! 🤩🤓🎉
Thank you Pollita! Part.2 coming right up, lol! 🫡
Excellent video as always thkyou very much keep moving forward we love you
Much appreciated chino!!! 😊
Knowledge is power snow ball works
Sure is! 💪🏽
Most of that $1trillion credit card debt is owed by my ex-wife
I'm assuming things didn't end well between you too! 😹
😂😂
😂
😂😂
😅😅
Capitol one is what I need to transfer to another card I’m so sick of there interest rate
this is easy to understand
This was great thank you my friend
Thanks for the visit Susan! I'm glad you liked the video. ❤️
@ I never miss one darling my gentleman has cancer and it’s been hard to comment. But I always watch and thumbs up 🥺🙏🏼❤️
Part 2 please
Coming right up! 👩🏽🍳
Good advice to most viewers that carry a balance monthly. But when opportunity to pay card off in 20 days, then skip the fees and just pay it! if i carry a balance, it is never for more than 1 month , maybe 2 times a year.
Thanks! 😊 Yeah, people should pay off their cards right after using them or before the end of each month if possible to avoid fees and interest.
So cool thanks
Glad you like it! ❤️
stopped by to push this back into the algorithm
You're awesome!! Thank you so much! 👊🏽❤️
Btw I have an unsecured line of credit debt of 12% would you recommend balance transfer ? I have $12000 line of credit debt and zero credit card debt
Lol. An ex you're trying to get over. That's a bold one. 😂
😹
Part 2
Coming right up! 👩🏽🍳
No one is getting chase cards if 5000 is maxed out
Should I get a loan to pay my credit card?
💸💸💸💸💳👈💏💏
❤❤❤
Thanks Jimmy! 🥰
You spend too much time with the 0 percent balance transfers . Most of the people with credit car troubles won't qualify for the 0 or lower interest rate.
Not necessarily. Many people with credit card debt still have a decent credit score. To get approved for 0% interest cards, like the Discover It Cash Back, you usually just need a FICO score of at least 670 or a VantageScore of at least 661 which is pretty low.
If your score is lower than that, what you can do is try to improve it using some of the tips I mentioned (ex: snowball & avalanche method).) Once your score is around 670+, you can start applying for no-interest cards and use them to pay off your debt during the 0% interest period.
The goal of this video was to point out the different ways to simplify paying off credit card debt. If you can’t qualify for a 0% interest card, consider a personal loan or follow any of the other mentioned tips.
Goodluck! 🤞🏽💕
Hi 👋 ☺️ 🫶
Hello 😊
Part 2 please
Here you go: th-cam.com/video/s5_cTdVjMDg/w-d-xo.htmlsi=UQHH33wPXcNR4bLD 😊
Part 2
Part 2