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Its estimated that credit card holders in the UK have a combined debt of around £55 billion and an overall credit limit of almost £180 billion. From these figures, its clear to see why more and more people have the need for debt advice and a solution to their growing financial difficulties.Here are some general tips regarding credit card debt: * Destroy your cards If your level of credit card debt is already causing you problems and youre struggling to just pay off the interest then the best thing you can do is to destroy your credit cards and make sure you dispose of them securely. This may be a hard thing to do if youre relying on them to help pay bills every month but then you need to prioritise. * Prioritise your debts When youre living with debt and have creditors calling and writing to you to chase for money then its easy to lose focus. If you have a mortgage to pay then that should always be your number one priority as its a loan secured against your home. Credit card debts are unsecured and while they still need to be paid off, they dont come with the same harsh consequences of defaulting on your mortgage payments. * Consolidation If you have a number of credit cards with varying interest rates that are hard to keep up with then you may be eligible for a debt consolidation loan. This allows you to consolidate all of your existing unsecured debt into one loan thats usually secured against your property. The main advantages of this are that you stop the hassle from creditors overnight and also benefit from a lower interest rate on the debt you have, making the monthly repayments more manageable. * Balance transfers There was a time when you could rate hop from one credit card to another for free every 6 months or so to take advantage of great introductory offers for balance transfers. While many lenders still offer these deals, they usually come with a balance transfer fee now which is a set percentage of the amount youre switching. Depending on the APR of your existing card or cards, transferring the balance(s) could still save you money on monthly interest repayments.Debt advice is a broad term but making sure its relevant and specific to your needs is the key to taking control of your finances and your life.
Debt,Advice,Unmanageable,Credi