Are the balances on your credit cards getting higher each month? It’s time to take action. Learn about debt consolidation, low interest loans and how to get out of credit card debt with a balance transfer credit card. Oprah offers a debt guide for reducing credit card payments and going as she referes to it a "debt diet".
Other useful online articles and debt reduction tools available:
Get a Visa® that will allow you to transfer high interest balances.
The first thing you must do is get a copy of your recent credit score. If your credit rating is still good, you’ll find immediate relief with a Visa® or MasterCard® that offers 0% interest on balance transfers. Cards you might want to consider include the Citi Platinum Select Mastercard of the Discover More credit card.
Getting a loan with bad credit is still an option.
There are many articles and resources that can help you learn how to get out of credit card debt. And, there are several opportunities for getting a loan with bad credit. It’s important that you take action now rather than later. And, particularly in a situation of mounting credit card debt, there’s no time like the present to make your move.
The following credit cards may be able to help build, rebuild, or re-establish your credit if you make on time payments with all of your creditors and maintain your account balances below the credit limits.
* See the online credit card application for details about terms and conditions. Reasonable efforts are made to maintain accurate information. However all credit card information is presented without warranty. When you click on the “Apply Here" button, you can review the credit card terms and conditions on the issuers website.
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Editor's Rating:
9.5
-
Consumer Rating: (25 ratings)
8.1
| Intro APR: |
0% |
| Regular APR: |
11.99% - 19.99%* (Variable) |
| Annual Fee: |
None |
| Intro Period: |
18 months on Balance Transfers*, 12 months on Purchases* |
| Balance Transfer: |
Yes* |
| Credit Needed: |
Good
|
Don't know your Credit Score? Click here
- 0% Intro APR on balance transfers for 18 months and 0% Intro APR on purchases for 12 months. After that, the APR will be 11.99%-19.99% based upon your creditworthiness. This APR will vary with the market based on the Prime Rate*
- Extra Cash from Citi: enjoy discounts on gift cards,travel, merchandise and more
- Citi® Identity Theft Solutions
- Secure, free online account management
- No annual fee
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Editor's Rating:
9.0
-
Consumer Rating: (20 ratings)
8.9
| Intro APR: |
0%* |
| Regular APR: |
11.99% - 20.99% (Variable)* |
| Annual Fee: |
None |
| Intro Period: |
6 Months* |
| Balance Transfer: |
Yes* |
| Credit Needed: |
Excellent
|
Don't know your Credit Score? Click here
- 0% intro APR on balance transfers for a full 15 months, then the Regular APR
- 0% intro APR on purchases for a full 6 months, then the Regular APR
- 5% Cashback Bonus® in categories that change like travel, gas, groceries, restaurants, home improvement stores and more
- Up to 1% unlimited Cashback Bonus on all other purchases
- No Annual Fee
-
Editor's Rating:
9.3
-
Consumer Rating: (1 ratings)
3.0
| Intro APR: |
0% |
| Regular APR: |
11.9% (V) |
| Annual Fee: |
None |
| Intro Period: |
until August 2011 |
| Balance Transfer: |
Yes* |
| Credit Needed: |
Excellent
|
Don't know your Credit Score? Click here
- 0% intro APR until August 2011 on balance transfers, processed in as little as 48 hours
- 0% intro APR until August 2011 on purchases
- Transfer your higher-rate balances
- $0 Fraud Liability if your card is lost or stolen
- 24-hour travel & emergency assistance gives you a replacement card and cash advance
- 24-hour roadside assistance
- Travel accident insurance
- No annual fee
-
Editor's Rating:
8.7
-
Consumer Rating:
0.0
| Intro APR: |
0% |
| Regular APR: |
14.9% (V) |
| Annual Fee: |
None |
| Intro Period: |
until August 2011 |
| Balance Transfer: |
Yes* |
| Credit Needed: |
Good
|
Don't know your Credit Score? Click here
- 0% intro APR until August 2011 on balance transfers, processed in as little as 48 hours
- 0% intro APR until August 2011 on purchases
- Transfer your higher-rate balances
- $0 Fraud Liability if your card is lost or stolen
- 24-hour travel & emergency assistance gives you a replacement card and cash advance
- 24-hour roadside assistance
- Travel accident insurance
- No annual fee
-
Editor's Rating:
0.0
-
Consumer Rating:
0.0
| Intro APR: |
0% on purchases |
| Regular APR: |
19.8% (V) |
| Annual Fee: |
$39 |
| Intro Period: |
until May 2011 |
| Balance Transfer: |
Yes |
| Credit Needed: |
Fair
|
Don't know your Credit Score? Click here
- 0% intro APR on all purchases until May 2011
- Upload a favorite image to create your own card design
- $0 Fraud Liability if your card is lost or stolen
