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Pay off your credit card

Pay off

Pay off your credit card by following these steps

If your cardio exercise is to go shopping and go crazy when you see the sales, you might be in a real problem specially if you sign everything with your credit card. In order to help you with your financial education, here are some steps for you to follow if you want to pay off your credit card.

At the very beginning it is all normal that we feel excited when using our first credit card but suddenly, that emotion can get out of control and we start to spend more than we can pay. If you are already living on the edge and ended up with a big debt, these steps might save you from the chaos.

1.- Accept that you crossed the line: The first important step in order to heal the debt is to accept that you did no good. This will change the way that you conceive the problem and will help to establish limits when using your credit card.

2.- Do the math: Analyze your situation and write down your debts on a piece of paper. If you have a situation where you have a debt that is 10 or 15 times more your salary you need to start saving money and measuring the time that will take for you to pay them off.

3.- Say good bye to your life style: You will need to resist that feeling of running to buy the shoes of the new season, think about this very seriously because that will need to last several months.

4.- Freeze your credit card: Yes, this might sound an extreme solution but this is the best solution for a big problem like this. Call your bank to freeze your credit card or ask them for a payment plan according to your possibilities.

5.- No payment plan available? Ask money borrowed from a friend without interest. If there’s no one that could help you, then you will definitely need to go to a credit repair institution.

The president of Grupo Denim, Salomon Juan Marcos Villarreal, advised that before going to an institution, take in mind that there’s no magical way out and if someone promises you an easy way out without sacrifices, you better run from there. “There are only 3 supervised institutions in Mexico, always check first on Condusef. The way this works is that the credit repair will make a negotiation with the bank and try to get a debt reduction and a period of time to pay it off. There will be a commission of course. For me, the best option to avoid this from happening again is patience, save money and investment, finalized Salomon Juan Marcos Villarreal.

 

tanya luevano

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