The Façade of Consumer Credit Solutions for Holiday Shopping
The holidays are a time when financial pressures ramp up even beyond what they usually are. Merchants and card companies tout consumer credit solutions that essentially boil down to “buy now, pay later.” Advertisers repeat that message everywhere, it seems.
The commercialization of the holiday season causes people who are already under a lot of stress to spend much more than they should. With the excessive pressure to keep up comes the temptation to use up credit – lots of it. If you were overloaded with debt already before the season started, you might even borrow money to consolidate your credit so that you can charge more on your credit and department store cards.
When the holiday frenzy ends, you’re shocked at how much money you’ve charged on your credit cards. It’s a scary situation, and now you need some real consumer debt solutions to regain control.
Real Consumer Credit Solutions — After the Holidays, Or Any Time
One of the best consumer credit solutions for the holidays is to avoid debt in the first place. When that doesn’t happen, then you need some real relief from the “buy now, pay later” mantra.
Getting a loan for consolidation of debt is dangerous, especially during the holidays. The added pressure of giving gifts and hosting dinners and parties increases spending, which usually translates into more debt than you can realistically handle.
Consolidating bills without falling further into debt is the best solution. You can make one monthly payment, the same as you would with a loan to consolidate bills. You work with a certified credit counselor at a non-profit credit counseling agency, like American Consumer Credit Counseling (ACCC), to create a debt management plan that’s effective and works well with your budget.
When you consolidate debts through a debt management plan, you’re not tempted to charge more money on your credit cards, because the creditors do not allow you to use your cards in the plan. In many cases, your interest rates on existing debt can be reduced, and late fees waived. What better option for real consumer credit solutions could there be?
Take Advantage of Real Consumer Credit Solutions from ACCC
Call ACCC if you’re overwhelmed with debt and are asking, “How can I consolidate my bills?” We can help you set up a budget and a debt management plan that allows you to pay off your bills and stay within your means without borrowing more money. We also provide free financial education that shows you how to change your spending habits and enjoy a debt-free future.
ACCC’s success with our consumer credit solutions is proven with more than 22 years of experience helping thousands of satisfied customers realize the dream of financial freedom. Our stellar customer service is validated through our A+ rating and accreditation through the Better Business Bureau.
We have a wide range of programs to meet your needs, from housing counseling to bankruptcy counseling. Contact us today for more information.