Eliminate Credit Card debt the easy way, pay it off a little more at a time
 

Ok so you found this page by surfing the internet and you thought you found a cure all for all your debt. Sorry about that but now that I have your attention let me tell you how I was able to eliminate credit card debt once and for all. I am not an expert or claim to be this is something that I did and it worked.

First thing I did was go to bankrate.com and check all the best credit cards when it comes to the ones with the lowest interest rate and no balance transfer fees. Then I wrote them down and then I pulled out my last statement for my current credit cards to see what my interest rate was on them.

After compiling the list I called the credit card that had the largest interest rate that I had and told them that I wanted to negotiate my rate. The first person that I got said they could lower it one point. That's where I asked to speak to a supervisor.

The supervisor got on the phone and told him I have good credit why am I paying such a high interest rate. I told him I got an offer for 0% for 6 months from (add competing credit card company here) and if he couldn't lower my rate I would move all my money over to them. He lowered my rate to 3% from 12.99% permanently.

Not paying crazy interest rates anymore I was able to pay off my credit card bills instead of paying off the interest every month.

Do this with all your cards and pay them off. Do this with all your credit cards until you have none and you will be out of debt by paying off your credit cards. Sure it will take some time but who cares. Pay off the largest debt or the smallest debt one as you only pay the minimum or what you can afford on the others.

Some experts will tell you to cancel the credit cards after you pay them off but that all depends on your spending habits. If you think you will use the card then get rid of the temptation but it might affect your overall credit score. You might be better off locking them away in a dark place.