Question cards/flash cards
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| − | + | Well, one of the best ideas I ever heard is to put them in some water and freeze them in the freeezr. That way, they don't fit in your wallet, so you can't take them shopping. If there is a TRUE emergency (like your car breaks down and you have to fix it so you can get to work for example) you can melt the ice and use your card. It just makes it so it isn't so handy for all those impulse purchases and I have known several people who have managed to pay off their credit cards this way.As far as needing the information to cancel them, when you call in, they pretty much just need to be able to ask you identifying questions in order to make sure they are cancelling for the right person.If you are really serious about it and you don't want these cards anymore, but just need to pay them off, then you should call up the companies and ask them if you can just cancel your account so that it is disabled and you can't use it anymore you just want to make the payments and pay it off. You might be able to make some kind of arrangements that way.Also, if you have more than one and they are at different interest rates, the best way to pay them off is to make the minimum payment on all of the ones except the highest interest rate one. Then choose a certain amount that you will pay on that one each month that is more than the minimum. Then when it is paid off, use that same amount of money PLUS the amount you have been paying on the second one to continue to pay off the second one and so on and so on until they are all paid off.Good luck. It is a good thing to rid yourself of credit card debt. It can really get you into a mess that is hard to get out of. You will feel so great when you get it all paid off just don't go out and celebrate by charging something again! lol | |
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Revision as of 23:23, 26 July 2012
Well, one of the best ideas I ever heard is to put them in some water and freeze them in the freeezr. That way, they don't fit in your wallet, so you can't take them shopping. If there is a TRUE emergency (like your car breaks down and you have to fix it so you can get to work for example) you can melt the ice and use your card. It just makes it so it isn't so handy for all those impulse purchases and I have known several people who have managed to pay off their credit cards this way.As far as needing the information to cancel them, when you call in, they pretty much just need to be able to ask you identifying questions in order to make sure they are cancelling for the right person.If you are really serious about it and you don't want these cards anymore, but just need to pay them off, then you should call up the companies and ask them if you can just cancel your account so that it is disabled and you can't use it anymore you just want to make the payments and pay it off. You might be able to make some kind of arrangements that way.Also, if you have more than one and they are at different interest rates, the best way to pay them off is to make the minimum payment on all of the ones except the highest interest rate one. Then choose a certain amount that you will pay on that one each month that is more than the minimum. Then when it is paid off, use that same amount of money PLUS the amount you have been paying on the second one to continue to pay off the second one and so on and so on until they are all paid off.Good luck. It is a good thing to rid yourself of credit card debt. It can really get you into a mess that is hard to get out of. You will feel so great when you get it all paid off just don't go out and celebrate by charging something again! lol
