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Paying off high interest credit cards

Need a plan for paying off high interest credit cards?

There are many strategies for paying off high interest credit cards, but choosing the right approach for your financial situation is not always an easy decision. Should you transfer balances to a new credit card offering a 0% APR for the next nine months? Or would a debt consolidation loan be more advantageous? Are all those debt settlement agencies promising to resolve your debt for pennies on the dollar actually legitimate? And no matter which program you decide on for paying off high interest credit cards, how can you avoid getting yourself back into debt again?

Paying off high interest credit cards with help from ACCC

For answers to these questions and help deciding on the best way of paying off high interest credit cards, contact American Consumer Credit Counseling (ACCC). As a nonprofit organization, we offer free credit counseling sessions and access to certified credit counselors who provide help with debt problems for individuals and families.

When you contact us by phone, Internet or in person for a free credit counseling session, we'll help you understand all of your options for paying off high interest credit cards and guide you in selecting the method that makes the most sense for your financial situation and financial goals.

When considering the best way of paying off high interest credit cards, we'll offer advice about debt settlement firms and how to consolidate credit cards with consolidated loans, and help you determine whether the debt consolidation loan rates available to you are low enough to make consolidation feasible. We can also direct you to plenty of free educational material that's available on our website to help you create budgets more effectively, save for retirement and college, and learn to manage money more easily.

A debt management plan for paying off high interest credit cards

For consumers interested in paying off high interest credit cards while preserving their credit rating, we often recommend a debt management plan over debt consolidation or debt settlement. Rather than consolidating a variety of debts with a new loan, a debt management plan lets you consolidate all of your bill payments each month into a single payment to ACCC. Our team will take responsibility for paying each of your creditors monthly, which also lets us work with them to potentially reduce your interest rates and your finance charges, lowering the total amount you owe so you can pay it off faster.

Learn more about paying off high interest credit cards with help from ACCC, and about how to consolidate credit card debt most effectively.

 American Consumer Credit Counseling (ACCC) provides non-profit credit counseling, financial education, debt relief consolidation and debt reduction services for consumers nationwide. We offer free credit counseling to help individuals and families learn how to pay down credit card debt and how to eliminate debt altogether. As an alternative to expensive unsecured debt consolidation programs for settling credit card debt, our debt management programs help consumers pay off debts and manage credit card debt more quickly by consolidating payments. We also offer debt negotiation services to help reduce finance charges and interest rates. And our financial education services show consumer how to manage money more effectively and how to get rid of credit card debt more quickly – usually in five years or less.

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