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Credit card consolidation - Dump high interests and pay one bill

Credit card debt consolidation is a savior for all those who are drowning in credit card debts. It accumulates the outstanding balance in one place and allows you to make only one payment every month.

Credit card consolidation pros

  • Can pay off credit cards easily
  • Enjoy a super low interest rate
  • Make affordable monthly payments
  • Take care of only one bill each month
  • No late fees and overlimit charges
  • Less collection calls

Credit card consolidation cons

  • May get into debt again as you relax more
  • Some companies charge high fees
  • You may lose assets (secured consolidation loan)
How much can you save?
Monthly payment you can afford
($)

How to consolidate credit cards with OVLG

Once you know what is credit consolidation and how it helps you become the master of finances, you can reach us instantly. We will help you consolidate multiple credit card bills as quickly as possible.

OVLG Credit Card Debt Help Cycle
Wed Jan, 2015 Review: EA saved $3786.98
Client satisfaction level:
      
* Client names have been changed to protect privacy


When you should or shouldn’t go for credit card consolidation

It’s not too late yet. You still have a chance to save your wallet and credit score. All you need to do is consolidate credit card debt right now. But before you begin the process, let’s find out a little bit about the scenarios when it will work best.

Should
  • Want getting a reduced interest rate
  • Wish to get a fixed interest rate
  • Wish to kick out credit card debt fast
  • Want to pay one bill every month
Shouldn’t
  • Can’t even pay one bill on time
  • Have secured debts
  • Have enough money to manage credit cards
  • Don’t know how much your savings will be

3 Best ways to consolidate credit card debt legally

1 Credit card consolidation programs
2 Balance Transfer
3 Credit card consolidation

Scenario 1:
You want to switch from multiple payments to one

Best way to consolidate credit cards:
Credit card consolidation programs

How it works:
The best option for consolidating credit cards since you make only 1 monthly payment to credit card consolidation companies.

Effect on credit:
It has a positive effect on your credit score.

Tip: Check if the credit consolidation reviews and find out if the company is trustworthy.

Consolidation program

Scenario 2:
You can manage money really well and your credit score is good.

Best way to consolidate credit cards:
Balance transfer

How it works:
Here you consolidate credit cards into one card with 0% APR available for a very short period of time.

Effect on credit:
Your credit score may drop initially.

Tip: Pay off the entire balance within 6-12 months to avoid paying high interest rate.

Balance transfer method

Scenario 3:
You want to get rid of credit card debt now and have assets

Best way to consolidate credit cards:
Credit card consolidation loan

How it works:
Here you actually consolidate credit card bills into a personal loan which has to be paid off after a certain period.

Effect on credit:
It makes a positive impact on your credit score.

Tip: Check out the loan term and rate to avoid paying more than what you expected.

Consolidation loan

Credit card consolidation companies - Checklist to pick the best

  • Check the breakdown of fee structure
  • Check the affiliations
  • Check how long and how much to pay
  • Check their credit consolidation reviews
  • Check their industry experience

Alternative options to reduce credit card debt

1 Credit card debt settlement:
Wondering how to get rid of credit card debts without fast? Shake hands with debt negotiators to reduce your outstanding balance.
2 Credit card debt management:
It helps you eliminate credit card debt legally with smart budget plans and reduced interest rates.
3 Bankruptcy:
Thinking how to get rid of credit card debt legally? File Chapter 7 bankruptcy to discharge debts within 3-4 months.

Having problems with credit cards?
Want to eliminate credit card debt legally?

Call us at (800)-530-OVLG to get professional help
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Pages

Say NO to debt consolidation loan and other balance transfer methods

Say NO to debt consolidation loan and other balance transfer methods

Date: 11:36 pm 3rd Nov, 2014 Article Rating: 
Rating: 
No votes yet

For many years now, debt consolidation loans and balance transfer methods have remained the sole resort for numerous debt ridden individuals out there. These two debt relief ways boast of offering you the most convenient ways to get out of debt by offering a relatively lower, single and an [...]... Read more


Frequently Asked Questions on Debt Consolidation

Frequently Asked Questions on Debt Consolidation

Date: 11:19 pm 9th May, 2014 Article Rating: 
Rating: 
No votes yet

1. How can you consolidate debts? You can consolidate your debts on your own with a debt consolidation loan, or you can sign up with a debt management company that offers debt consolidation services. 2. What is a debt consolidation loan? A debt consolidation loan is a low-interest loan that you [...]... Read more


Debt Consolidation loans: Pay off your debt with a low rate loan

Debt Consolidation loans: Pay off your debt with a low rate loan

Date: 05:25 am 30th Apr, 2014 Article Rating: 
Rating: 
4
Average: 4 (1 vote)

Debt consolidation process helps to merge your multiple bills into a single low interest loan. Debt consolidation loans are available both as unsecured and secured personal loans. Here are some essential facts about debt consolidation loan given below: Table of contents When a debt consolidation [...]... Read more


Christian debt consolidation: A solution based on Biblical principle

Christian debt consolidation: A solution based on Biblical principle

Date: 09:21 am 12th Jun, 2013 Article Rating: 
Rating: 
5
Average: 5 (2 votes)

“The rich rule over the poor, and the borrower is slave to the lender.” (Proverbs 22:7) Therefore, if you are in debt, your indebtedness compels you to become a slave to the lender, which is utterly conflicting to the Biblical principal of single master. According to Christianity, God is the [...]... Read more


Glossary of Common Debt Consolidation Terms

Glossary of Common Debt Consolidation Terms

Date: 09:19 am 12th Jun, 2013 Article Rating: 
Rating: 
5
Average: 4.5 (2 votes)

Administration Order: An order issued by a county court to arrange and oversee the payment of debts by a debtor. Annulment: Discharge. Assets: Anything that the debtor possesses and is used as collateral against a loan taken out by the debtor. Acceleration Clause: A clause in a loan agreement [...]... Read more




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