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Featured Article on All Things Frugal
Crushing Credit Card Debt
by David Berky
How much do YOU owe on your credit cards?
The average American family is now over $7000 in debt just on
their credit cards. That debt generates an interest
charge of
over $105 each month if your card charges the average 18%.
If you
have missed a payment or made a late payment (even by one day!), you may be
paying up to 27% interest or over $157 each month.
Most credit card companies require a modest payment towards the
card balance. Modest meaning from $10 to $20 a month. To
pay off
a $7000 debt at $20 a month you will not pay off this debt for 29 years.
And what about those interest charges? Paying off a $7000 credit card debt
charging an interest rate of 18% and paying $20 a month towards the debt, you
will pay over $18,400, more than TWICE the
original debt, just in interest.
What if you have more than one card? What if your debt is over $7000? What can
you do? How can you get out of this hole?
more
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