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Can I reduce my APR on my credit card W/OUT the debt consolidation company's involvement??
April 18th, 2009 | 
Author: I have about 10k in credit card debt. I took cash advances on one card that has a 5k balance and the interest is killing me. The other cards have low APR's and are fine. I tried calling the company to ask if any available programs and they say no.
Do I have any options other than damaging my credit rating by going through one of these companies or am I better off biting the bullet?
How long does this affect your credit when one utilizes their services?
switch to a card company offering 0% for 12 months, and throw all you can at it during this time
Posted in Credit Card Debt Services
switch to a card company offering 0% for 12 months, and throw all you can at it during this time
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You do not damage your credit by going to one of these companies. You damage your credit by not paying your bills on time. Bear in mind that there is no guarantee that they can help you. Also bear in mind that some of these 'credit repair services' are scammers. Good luck!
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