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zpcsc

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    http://www.zmiamihomes.com
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    Miami

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  1. I have been receiving a lot of credit card promotions. How can I opt out from all of the different cards? Thank you.
  2. I am happy to say that I have been using the snowball method, link was provided by Area Man, thank you so much! I am almost finished paying my credit card debt! I should be done by February but I am doing my best to be done by 12/31/21!! I did use some of the 0% interest rate promotions, as I was doing which helped a bit. And thank God that we've had a good year in business. But I got focused and worked hard on our debt reduction. From $25K down to $4k in a little over a year! I had been hearing about the snowball method but until I was desperate, I didn't look into it. Thanks again!
  3. Thank you, I've called and they are able to put you on a 60 day freeze without incurring any fees. I will do as suggested. Also, we haven't used our credit cards for months, big lesson learned.
  4. I just renewed, I will call them and see what they can do. Thank you.
  5. Hello, I've been playing with my cc debt for a while now. I've opened new 0% accounts as suggested on these threads. When the 0% is over I transfer it to another one with 0%, accounts that I already have open. Now with the situation that we are all in, it's going to be a little tougher to pay more than close to the minimums. We owe a total of $25k, I've also worked with my DH's available credit for the 0% cards. I am so tired of this debt! Our credit is good over 700's. I've thought about a personal loan since we receive lots of promotions on these, are these loans personally guaranteed? Years ago they weren't but so much has changed. Thank you for all the suggestions.
  6. I just spoke to them and they said there is no freeze! I will contact the company.
  7. Hello, it seems that Experian has my account frozen. I was trying to be verified by a company and I was notified that there is a freeze on my account. I've tried calling them at several numbers and I'm unable to speak with anyone. Any suggestions? Thank you.
  8. I have a total of 7 cards, two new ones which I opened with zero interest. I received another promotion for 24 months on another card, but I don't know if it's a good idea to have so many cards. Does it affect you negatively? I called 3 of my credit cards with high interests, as suggested, only Amex blue lowered the rate. Actually Discover is the lowest at 13% interest.
  9. Hello, I need to get out of debt! I started automatic bill payments with my discover and it's gotten out of hand. My intentions were to pay in full but it didn't happen. I work on commission and when money doesn't come in the debt increases. I was able to transfer to 0 interest cards for about 13 months (I had posted and you guys replied) but I still owe a big chunk to discover. I have decided to take off the automatic bill pay and go back to old school where you have a grip on what is owed. Having said this, please let me know the best way to attack this filthy debt! I divided the 0 interest totals by the months and came up with what I need to pay to avoid interest once the 13 months are up, but my question is should I focus on paying down discover rather than send extra on the 0 interest cards? I'm very confused on what to do....Once I get a big commission check I will pay it all off but until then I need a strategy.... Thank you
  10. This might be a silly question, but I'm hoping you can clarify. When you charge on a card which has an active balance and you pay the amount charged, when you receive the bill, are you being charged interest on that particular purchase? Is it better to pay with a debit instead of charging? I know some people do it for the rewards but I'm trying to get out of debt... Thank you.
  11. Thank you for the info.
  12. I just received an offer for a balance transfer from "Fifth Third Bank" I am not familiar with this bank? Has anyone heard of them? Thank you
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