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Get help with credit card debt by negotiating directly with credit card companies for more time or better terms, suggests Nolo. If this isn't successful, contact a nonprofit credit counseling agency. As a last resort, co... More »

www.reference.com Business & Finance Credit & Lending

To get rid of credit card debt, the first step is to stop using your credit cards, notes Bankrate. Next, list your debts, make a budget, and create a savings plan. Look for ways to reduce monthly spending, and pay more t... More »

www.reference.com Business & Finance Financial Planning

Applicants for a credit card need to be at least 18 years old and have independent income or reasonable access to a partner's income, explains About.com. Factors that also help, especially in qualifying for lower interes... More »

www.reference.com Business & Finance Credit & Lending
similar articles

Consumers can try to settle a credit card debt by negotiating with the credit card or collections company to pay off the debt at an amount less than what is owed, according to Nolo. Credit card companies might accept a l... More »

www.reference.com Business & Finance Credit & Lending

Paying off a credit card debt requires implementing one or more strategies such as paying off one card at a time or consolidating all debt into one payment. Another strategy is to pay more than the minimum amount each mo... More »

www.reference.com Business & Finance Credit & Lending

Some tips for negotiating a debt payoff include knowing who to talk to about different issues and considering the different options for negotiating, according to Nolo. It is also crucial that you get the final agreement ... More »

www.reference.com Business & Finance Credit & Lending

Boost your credit score by getting a credit card, maintaining a low "credit utilization ratio," keeping the number of accounts with debt to a minimum, paying bills on time and leaving current credit accounts open. This d... More »

www.reference.com Business & Finance Credit & Lending