can I reduce my credit card bills

Hi Sultana

Welcome to the forums.

You can combine all your credit card bills in one loan amount and pay it through the consolidation program. This way, you won't have to remember paying multiple creditors and also reduce the chance of missing any payment date.

Including all your credit card bills in the consolidation program will reduce the total amount of your debt. This will eliminate all the financial charges and the late fees. Thus you will be paying the actual interest rate only and you will be offered an amount that will be much easier for you to pay throughout the program.

While you are in this program, make sure that you stick to a very restricted budget. Try to cut all the unnecessary expenses and use every tip to increase your saving. The consultant will be offering you good budgeting tips that will be helpful to solve your debt related problems.

You can take a free counseling in this site and know more about your debt repayment options.

Regards
Roxette

Sultana, welcome to the forums!

If you can, try to cut it down to ONE reliable credit card. Roxette is correct: you need to eliminate anything you don't NEED. As I like to say, if you don't have the money: don't spend it! :lol: