JenMTA

Me too, DebtHeavy, more focused on the monthly payment but lower interest usually translates to lower payments. Crossing my fingers, getting ready to call Chase. Soon.

Thanks, Steveo. I should have added, though, that my husband makes the vast majority of the income in our house. I only bring in $500 - 1K a month. I don't think there's any way they're going to let me transfer 20k with that kind of income.

Anyone? Bueller?

I have about 20K at 19.9 APR on an 8-yr-old credit card, and I can no longer afford the minimum payments, which are about $550.00 a month right now. I have not yet been late on a payment, but it's only a matter of a month or two. I have a really good credit score and I've been getting those 0% soft offers in the mail again, should I try one of them? It's Citibank that sends them, mostly. I really want to pay this debt down, and I'm scared of debt consolidation companies, don't even want to go there. My other option I guess is calling my cc company (Chase) and asking for a lower interest rate, or getting on their hardship program. The problem with hardship, although Chase is really nice about it, is that they make you close the account, and I know that's a hit on my credit. Then again, so is applying for new credit. The credit union I bank with gives personal loans at 10.75% right now, better than 19.9, but if I could do 0% for 14 months or so, that might be even better. It would probably go up to 14.4 at the end of the 14 or 18 months, according to the Citibank offer, but I'd have 3 or 4K less in debt and therefore the minimum payments would still be within range of what I can pay, and hopefully by then we'll be making a bit more money. I don't know. Any advice?? Thanks in advance!!

Hi, all! We are hoping to refinance our home at a fixed rate and we're filling out an application for Wells Fargo - what I'm wondering is if we should fill it out with just my husband's info. on it or if we should include me as co-borrower, as it is on our current mortgage, which we've had for 8 years. My credit is not as good as his. My credit score itself is pretty good - 732, I think (my husband's is 785), but I have a LOT of debt, and a couple years ago I had some late payments (on a medical bill and on a couple of store credit cards - I know, dumb) that led to my big credit card companies lowering my limits and/or raising my interest rate, even though I had never had a late payment for either of them. So for about a year my credit score hovered in the high 600's. It's back up now, as I said, but if I put my name on that application they're going to run a credit report on me and see all this stuff that's less than 3 years old. We've never had a late payment on our mortgage, or car loans, or anything else. My husband is by far the primary bread-winner. I have a part-time job working from home but I only bring in 3-500 a month before taxes. It would be good to include that income on the app., but at the same time I wonder if we risk not getting the great interest rate if we put me on there. On the other hand, would my credit be hurt further by not having a mortgage in my name?? Thanks for any advice on this!