how can I get my credit card paid off?

Answer 1

Get a debt consolidation loan. Your payment will be lower:

Answer 2

Credit card debt elimination can be done with a good plan and a little patience. The important thing is to find what works best for you and stick to your plan. The rewards are well worth it and you'll save yourself a lot of money in the process.

You can choose to either start paying off the credit card with the highest interest rate first or you can get rid of the credit cards with the smallest balance first. The important thing is to know exactly how you are going to approach your credit card debt elimination before you begin.

First, set a realistic budget for yourself to lower your spending in all areas and stick to it. Living by your budget will help you pool your available cash for your credit card debt elimination plan.

The most important you must do immediately is eliminate your credit card spending. You can never succeed with credit card debt elimination if you continue to add to the outstanding balance. The interest on that debt added with a climbing balance will make credit card debt elimination impossible.

It's important to pay your credit card bills on time and always pay more than the minimum payment on the bills you want paid off first. Paying the minimum payment doesn't eliminate that high credit card interest rate. That's exactly what the credit card companies want because they are making a killing off of that interest.

If you are concentrating your bill paying efforts on one bill at a time, then you should still pay at least the minimum on the others. Once each bill is paid redirect your resources to the next bill so your credit card debt elimination can become a reality.
read more about it at: http://www.card-gallery.com/article/69,Credit_Card_Debt_Elimination

Answer 3

Pay twice the monthly payment. It pays it off a lot quicker. If you have more than one card you can follow this plan:

1.You pay twice the amount of your monthly payment on your lowest balance card. (If your payment is $20, pay $40)
2. Once that card is paid off, you take all the money you were paying on your first card and apply that payment plus the minimum monthly payment for your next lowest balance card. (Take the $40 and add it to your minimum $20, so you are paying a total of $60).
3. Keep doing this until all your cards are paid off.

You can also look into a debt consolidation loan (if your credit is good) or a debt counseling company (like Family Credit Counseling Service). They negotiate with your creditors to lower your payments and interest rates and then you just make one monthly payment to them.
You can also set up better payment plans by calling your creditors. They will work with you to make it easier to pay your bills.

Answer 4

Like all of the other posters stated, DO NOT USE YOUR CARDS ANYMORE!
Next, take inventory of your life.
Is there a way that you can cut a few more corners? If you are going out to eat 5 days a week why not take your lunch and go 2 days a week. When you are out, instead of ordering a soda order a (free) water. For example, When I go to Mcdonalds I get a side salad, a cheeseburger and a water for lunch ($2.00). Instead of a 'value meal' which is around $4.50.
granted, we are only talking about $2.50 but over the course of a year this is $130.00 if you only do this ONCE per week. Do it twice and it is $260.00.

There are other ways you can cut costs.
On sundays you can get the paper and make a list regarding what to buy from where buy viewing the sales inserts....on some items that you use you could save $20.00 ever week just getting things that you would NORMALLY Get on sale.
Each week a gallon of milk can be had for $1.98 someplace. If I dont get it on sale it is $2.59 to $3.19. Again this is not a big deal to most but since I need TWO of these per week, I am getting quite the savings by getting them on sale.

**********
Look thru your closet and see if there are things that are in nice condition that you dont use anymore. Try putting them on ebay to earn a few extra bucks.
I have sold a few things that my children have outgrown. I have made up to $400.00 in one month. This will make a nice dent in the bills.

WHat about having a garage sale if ebay is not your thing.
Call up your friends and family and have a garage sale.
It is a great thing to do on a saturday morning and you can make a little money doing it.
Buy some hotdogs, buns and chips from sams club and make a small profit on selling lunches during your garage sale too!


Can you contact bank of america and see about getting the zero transfer fees and zero interest (for 12 months) credit card.

The first step is the hardest and you have taken that step. The rest is not easy but it can be done
GOOD LUCK!

Answer 5

go to your credit cards website and set up automatic payments to be made on every payday. if you get paid weekly set up a weekly payment. it hurts your pocket less to pay out 100.00 a week then 400.00 on the due date. plus ypu reduce the chance of a late payment fee or over limit fees. make it as much as you can afford to pay out of that check this gets in more than one payment a month paying it off faster and reducing finance charges. if you owe 2000.00 on your card and make only the minimum payment it will take like 20 years to pay it off. so make payments as often as you can as much as you can then put the card away so you don't have it with you when you are out.

Answer 6

Stop charging on it. Close the account so no new purchases can be made. Make monthly payments on time, every time. Always pay more than the minimum amount due. Try to pay at least double the minimum due.

Answer 7

Pay more then the minimum or get a second job. The more you earn the more it is reduced. Cut those pesky things up.

Answer 8

Pay more than the minimum every month on time and quit using it.

Answer 9

Pay just alittle more than the minimum payment every month and stop using it.

Answer 10

Pay more than the minimal balance that you have to pay. Do not use it for gas or food. Use it for furniture and clothing (if truly needed).