Only 21 and already owe money on 3 credit cards?

Question

Im 21 years old and my husband is living in another country and of course i have spent a lot going back and forth, well on credit cards. i have 3 of them, one is $3200, next $1100, and last $500. I work for children services, its a government agency and i love my work but I don't get paid enough, only $400 a month. When I do get paid its past the date the payments are due. So im always late or there are times I don't pay. I'm ruining my credit, what can i do so I can only have one payment for all of them and does anyone know of a fast way to get money, i really need help.

Answer 1

Thats a lot of debt for a 21 year old, get credit card with a $10,000 balance. You can get a lon from the bank, and pay off the bank, which they usually have lower interest rate.

-----------------------------------------------------------------------
http://www.bestcreditrates.net

Answer 2

If I only knew when I was 21 what I know now.

Like the others said, I would concider getting a part time job. If you have kids this might be a problem though. Deffinatly stop going overseas for a while or make your husband front the bill. After all you are married. Maybe your husband can help with the payments on your cards. If your credit isnt too messed up, maybe get a credit card that does 0% interest on balance transfers and pay it that way. Try a consolidation loan. If you own your vehicle free and clear get a loan where your car is your colateral. Or better yet, call your creditors and try and negotiate a lower interest rate. But do something 21 is too young to have bad credit. But at least your still young enough to correct it.

Answer 3

Find another job and stop going abroad for awhile or make it up in your mind to live abroad, but dont ruin your credit. But, really if my husband were abroad that is where I would be.