Consolidating all my bills Phonecam chat


By consolidating your credit card debt into a personal loan, you’ll have a definite plan for paying off your old card debt.You may be able to consolidate your debt with a personal loan from your bank or credit union.

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Then you’ll only have one monthly payment: the loan, the credit card or the debt management plan.

Not only does that simplify your debt payments, it can also help you save money.

Here’s how credit card consolidation works: You first decide if you want to take out a new loan, open a new credit card or enroll in a debt management plan (more on that later).

Whichever option you choose, you will use it to pay off your multiple balances.

For it to truly help you get out of debt, you have to stick to the plan, whether that’s paying off your credit card balance within a 12-month promotional financing period or making sure you make payments as agreed for the entire five-year loan term.

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