According to the latest statistics, Americans are $900 billion in credit card debt. Are you one of them too? In fact, most of my American buddies are contributors of this $900 billion credit card debt.
What has caused the Americans to be trapped in more credit card debt than ever ? $900 billion worth? It’s surprising that even people with excellent credit who always make their payments on time are starting to default on their credit card payments or having a hard time paying off their credit cards.
The recent credit crunch …

I feel good and relieved. This is the first time I have extra cash in hand that can be saved as emergency funds or personal saving. I have God to thank for the debt repayment plan that was recently approved by a credit management agency.
The credit management agency provides you a professional credit counselor to give free credit counseling service and free debt management program information. The credit counselor negotiates with your creditors to lower your monthly payments and reduce your interest rate charges for free. And then the debt …

You have been stuck in a pile of credit card debt for some time but the total debt never seems to reduce as much as you want, no matter how hard you try to pay off the monthly minimum payments month after month. You are not alone.
Like millions of American families out there, you see your hard-earned money goes into paying off the various monthly credit card and loan payments, leaving you only very little money to use. With Sometimes, you think that your life only revolves around working hard …

You are tired of your unmanageable credit card debts and the thought of filing bankruptcy keeps playing in your mind. You are not alone. I used to be suffocated by overdue credit card minimum payments, personal loan installments, and home loan and car loan payments until the thought of filing bankruptcy popped up all the time.
Listen. There are various credit card debt free options that you can consider before you think of filing bankruptcy. I used to think that filing bankruptcy was my only way out. Apparently, I was wrong.
There …

Have you ever felt that you will never ever get out of debt because there are simply too many credit card bills and threatening phone calls and letters from banks? You’re not alone. There are millions of US families out there who are also burdened by heaps of credit card debt, personal debt and loan debt.
However, many of them have managed to get out of credit card debt. You can be debt free too if you do your part to pay off your credit card debt as fast as possible.
Here …

My new year resolution made on the 1st of January 2008 was to pay off my credit card as soon as possible. At that time, my credit card debt had dropped to $14,911 and I had never thought of any debt free management program.
In July, my credit card debt dropped to $12,916. I was so happy that I hit $12,916. Unfortunately, my happiness was short lived. My online income started to drop because of frequent travels to the city to visit my uncle who was diagnosed with terminal stomach cancer. …

My PayPal funds withdrawn on the 15th September finally arrived safely in my Tune Money Visa debit card on the 23rd October. 38 days!
It’s PayPal that caused the delay. Not Tune Money. It’s not Tune Money’s fault, but PayPal.
As my PayPal funds arrived in my Tune Money Visa debit card within 3 business days, I was very confident that it’s not PayPal’s fault. I blamed Tune Money for the delay of my PayPal funds.
I made tons of calls to Tune Money in the hope that they could trace my PayPal …

If you are burdened by a heap of credit card debt and find it unmanageable anymore, you are not alone. Millions of US families out there are like you too. But what sets the them different from you is that they have resorted or are resorting to consolidation debt loans to help them achieve debt free living. Is it time for you to consider consolidating all your debt into one loan?
Debt consoldation loan is a perfect debt free solution for you to get your credit card debt under control, without …

Please read my AKPK Debt Management Program Part 1 if you want to know why I applied for AKPK debt management program and my first visit to the credit management agency in Ipoh.
My first visit was not a success because I didn’t bring my payslips or income statements. I am self-employed and I don’t prepare payslip for myself.
Fortunately, the credit counselor asked me if I had any proof to show that I made money online and I transferred my money to local banks. Yes, I could prove it. I printed …

I am officially under Malaysia’s AKPK debt management program. What a relief! No more haunting calls and notices from banks from now on. No more exorbitant late payment charges. Yes, I am under AKPK’s debt management program that helps me restructure my credit card debt.
Let me share with you my bumpy journey from getting to know AKPK from the television channel to being approved to be under the debt management program.
I first came to know about AKPK (Agensi Kaunseling Dan Pengurusan Kredit or Credit Counseling & Debt Management Agency) in …

While some consider credit cards as money traps, there are some who view credit cards valuable tools. Credit cards are so commonly used that they are used to pay for almost anything, ranging from daily expenses, monthly expenditures, to big tickets, or emergencies.
But if you are thinking of applying for your very first credit card, be cautious! There are many credit card scams available on the market, and the tiny fine prints of terms and conditions can be very confusing to you as a new credit card holder.
To make your …

Are you fed up with the hidden and miscellaneous fees that you thought they were not in the terms and conditions when you applied for the credit cards?
Like most credit card users, I am so sick of paying late payment fees, cash advance fees, balance transfer fees, and other hidden fees charged by credit card issuers.
I am sure most credit card users are like you and I only know there are annual fees and balance transfer fees. You only get to know there are not so obvious fees when your …

Is it time to apply for a new credit card again? Choosing a new credit card nowadays can be a daunting task if you know very little about various types of credit cards available on the market.
To get the most from a new credit card your are going to own, know more about various types of credit cards first.
Let’s see the different types of credit cards before you pick the best new card that suits you and your lifestyle.
1. Low Interest Rate Credit Cards. Low interest rate credit cards suit …

Do you have a love-hate relationship with your credit cards? I am sure most credit card holders do. While it is true that credit cards bring excellent convenience to people, they are also money traps that people fall deeply into.
Don’t get me wrong. I am not saying that the plastic cards tempt you to overspend or the credit cards are the root cause of your credit card debts. Indeed, You are the one who should be responsible for the use of credit cards and credit card debts.
Ask yourself if you …

You are stuck in knee-deep debt and wondering if you should consolidate all your high interest loans and credit card debts into a debt consolidation loan or credit consoladation loan.
Now is the time to find a company to consolidate debt if you fall into any of the following categories:
1. You are struggling with several monthly payments and you want to simplify your debts into one monthly repayment.
2. You are finding it more and more difficult to meet your minimum monthly repayments on your credit cards, store cards and personal loans …

I read from a credit card debt free program newsletter that due to recent credit crisis, credit cardholders are finding their lines of credit getting dramatically reduced by credit card issuers.
Some of my working mama buddies have already received notices from their credit card companies stating that their spending limits have been reduced dramatically, from $3,800 down to $1,000. They are pretty pissed off because they make timely payments and keep careful track of each charge.
Is reducing the spending limit good or bad? To me, a work-at-home mom who is …

If you have been overwhelmed by the amount of credit card debt you are carrying and have started thinking about the possibility of filing bankruptcy, let me tell you that you are not alone. I, for one, would have filed for bankruptcy if I hadn’t come across info about credit card debt consolidation program.
Yes, there are other debt free solutions to your credit card debt. Bankruptcy will only be your very last resort after you have tried out other debt help solutions and are completely frustrated with your financial situation.
If …

Are you stuck in an unmanageable load of credit card debts and loans and feeling very helpless and stressful? You are not alone. Like you and millions of people out there, I am also loaded with insurmountable credit card debt and thinking of submitting my application for consolidation debt loan.
According to the best consolidation debt info available online, debt consoldation loan is an excellent solution if you want to get your credit card debt under control, without the need to file bankruptcy or fall behind on your bills.
Each time when …