Switching to a lower interest

See also First Step Auto Finance and Courtesy Loans

Switch to a lower interest or 0% card

This is if you qualify. I luckily did so I applied and got another full year interest free.

The key to this is to not use the card once you do the transfer balance and sometimes companies will not charge your for a transfer balance and sometimes they will so make sure you always read the fine print!

Stash the card away, don’t take it with you out, and make higher payments than your minimum payment amount.

If you still have a balance when your interest free period is over, transfer it again to another 0% interest card.

See also Cash Express and Delta Financial

If not you could be paying over $300 a month just in interest! Interest is killing everyone right now, so be smart and switch.

https://www.citizensadvice.org.uk/debt-and-money/borrowing-money/credit-cards/the-costs-and-charges-of-credit-cards/

https://www.cnet.com/personal-finance/credit-cards/credit-card-balance-transfers-how-they-work-and-if-theyre-worth-it/

https://www.investopedia.com/credit-cards/balance-transfer-credit-card/

How to Get a Lower Interest Rate on your Credit Card

See also Quick Cash Loan and Oasis Loan Nationwide