Credit Card Debt Articles

How to Stop Credit Card Collection Calls
Aly J. Yale

August 17, 2023

Learn your rights and how to stop collection calls from credit card companies and debt collectors.

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What Goes on Behind the Scenes of Your Credit Card?
Erik J. Martin

May 30, 2023

Learn how secured credit cards, cashback credit cards, rewards credit cards and travel credit cards work. And how to take cash advances on credit cards.

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Can You Get a Credit Card After Debt Settlement?
Aaron Crowe

April 12, 2023

Getting a credit card after debt settlement is realistic and possible, and we’ll show you how.

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When Is It a Good Idea To Open a New Credit Card?
Gina Freeman (Pogol)

April 10, 2023

Follow these tips when opening a new credit card to save money, raise your credit score, and maximize your rewards.

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7 Ways to Pay Off Your Credit Card Debt
Aaron Crowe

April 9, 2023

Paying off your credit card debt can seem overwhelming. We’ve come up with 7 ways to do it within 3 years or so.

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How to Cope and Consolidate Your Credit Card Debt When Unemployed
Rebecca Lake

March 12, 2023

Unemployed with credit card debt? Here are ways to manage it: contact creditors, apply for aid, budget, avoid adding debt, and consider consolidation

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How to Use a Secured Credit Card and Build Credit
Karen Cordaway

March 8, 2023

Secured credit cards can help you start building or rebuilding your credit in a matter of months. Discover how they work here.

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Best Apps to Payoff Credit Card Debt
Thilini Wijesinhe

March 7, 2023

Paying down debt isn't easy, but it doesn't have to be hard either, particularly if…

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When Can You Use a Credit Card Forbearance Program?
Miranda Marquit

March 5, 2023

Credit card forbearance can offer temporary relief when you’re struggling. Find out more about how a forbearance program can get you back on your feet.

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What is the Fair Debt Collection Practices Act - FDCPA?
Rebecca Lake

February 16, 2023

Get an angry call from a debt collector? Learn how to use the Fair Debt Collection Practices Act to stop the harassment.

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What Happens To Unpaid Credit Card Debt After 7 Years
Aaron Crowe

February 16, 2023

Unpaid credit card debt may fall off your credit report in 7 years, but you may still have to pay it. Find out what your rights are.

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How to Negotiate Your Credit Card Debt
Gina Freeman (Pogol)

February 16, 2023

Our expert shares effective techniques for negotiating credit card debt and putting it behind you.

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Does Paying Off Your Credit Cards Help Your Credit Score
Rebecca Lake

February 15, 2023

Paying off credit cards can help your credit scores in the long run. However, there are some situations where credit cards can hurt your scores if you're not careful.

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Is a Credit Card Secured or Unsecured Debt?
Miranda Marquit

February 15, 2023

Sometimes it’s a good financial move to plunk down your own cash for a secured credit card (you’ll get your money back). Our expert explains.

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How To Respond To A Court Summons For Credit Card Debt
Gina Freeman (Pogol)

February 12, 2023

If you receive a summons for credit card debt, it’s in your best interest to respond and not ignore it. Learn more about what to do when you get a court summons.

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Debt Validation Letter - How to Validate a Debt
Richard Barrington

February 12, 2023

When should you validate a debt? When a debt collector contacts you, respond within 30 days or they may assume the debt is legitimate. Learn how to validate a debt.

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7 Tips to Help You Pay Off Credit Card Debt
Karen Cordaway

February 7, 2023

Credit card debt can be overwhelming. Learn to crush it with these tips.

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Zombie Debt: Don’t Let It Rise To Bite You
Gideon Sandford

February 7, 2023

If an old debt threatens to claw its way out of the past to haunt you, you might not have to pay it. Our expert explains.

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Sued for credit card debt: Learn the steps to protect yourself
Richard Barrington

February 7, 2023

Even when they sue, credit card companies often settle for much less than what they’re owed so the right strategy can save you a lot of money.

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Pros and Cons of Using a Personal Loan to Pay Off Credit Card Debt
Rebecca Lake

January 23, 2023

What are the pros and cons of using a personal loan to pay off credit card debt? Quicker payoff time and lower interest rates are great benefits, But if you are...

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Is it a good idea to use a 401(k) loan to pay off your credit card debt?
Peter Warden

January 23, 2023

Should you pay down your credit card debt using a 401k loan? Discover the pros, the cons and the alternatives.

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How to Get Out of Credit Card Debt Without Paying: 3 Strategies
Rebecca Lake

January 23, 2023

Getting rid of credit card debt without paying anything is very rare, but you might be able to repay less than the full amount. Our expert explains.

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How to Settle Credit Card Debt When Lawsuit Has Been Filed
Gina Freeman (Pogol)

January 15, 2023

It's possible to settle debt even after a lawsuit has been filed. Answer the summons. Then negotiate. And never skip your court date.

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Is An Authorized User Responsible For Debt?
Richard Barrington

January 8, 2023

Authorized users can use an account with the responsibility to pay. Read this to find out how it works.

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How To Get Out of Credit Card Debt Without Ruining Your Credit
Thilini Wijesinhe

January 8, 2023

Find out the best ways to pay off your credit cards while improving your credit score.

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Can You Go To Jail For Credit Card Debt?
Rebecca Lake

January 8, 2023

Carrying credit card debt won't lead to jail time, even if you default. However, you could face other legal action if you fail to pay.

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Credit Card Debt Lawyer: Should You Use One?
Gina Freeman (Pogol)

January 8, 2023

Debt lawyers specialize in law concerning the collection of debt. If you loan money to someone, you may use a debt lawyer to file a lawsuit to collect it.

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What Happens to Credit Card Debt When You Die?
Gideon Sandford

January 8, 2023

Worrying about your estate and planning for the future is important.

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Should You Consider Filing for Credit Card Debt Bankruptcy?
Gina Freeman (Pogol)

January 8, 2023

If you’re overwhelmed by creditor phone calls, collection letters, or lawsuits, filing for bankruptcy forces your creditors to suspend collection activity. You cannot legally...

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How to Read Your Credit Card Statement
Peter Warden

December 25, 2022

Reading your credit card statements can help you manage your money. Your statement will tell you when your interest rate or terms will change. Key details include...

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Credit Card Debt Forgiveness For Disabled: Does It Exist?
Rebecca Lake

December 18, 2022

There are no federal credit card debt forgiveness programs for people with disabilities. Creditors can sue you for unpaid debt. Still, they may be unable to collect on the judgment.

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How to Refinance Credit Card Debt
Richard Barrington

December 7, 2022

Learn how to refinance credit card debt and whether you should choose a balance transfer, debt consolidation loan or another method to…

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How Many Credit Cards Should You Have?
Richard Barrington

November 22, 2022

How Many Credit Cards Should You Have? Either too many or too few credit cards could cost you. Handling credit responsibly is more about how you use your cards than...

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Credit Card Debt Help: What You Need to Know
Erik J. Martin

October 20, 2022

Credit card debt help won’t work unless you stop overspending. Debt consolidation, debt management, and debt settlement are all solutions for credit card debt.

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Credit Card Debt Relief
Erik J. Martin

October 11, 2022

There are many forms of credit card debt relief. Learn how to find the right credit card debt relief for your situation.

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Statute of Limitations on Credit Card Debt
Peter Warden

October 2, 2022

Statutes of limitations govern how long creditors and debt collectors can pursue you for money that you owe. They vary from state to state. You need to be careful...

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Credit Card Debt Forgiveness
Richard Barrington

August 17, 2022

Credit card debt forgiveness can happen through bankruptcy or debt settlement. Debt settlement means negotiating a lower payoff for your credit card debt. Bankruptcy...

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What are Credit Card Debt Relief Programs?
Aly J. Yale

March 31, 2022

Credit card relief programs could help you get out of credit card debt faster and…

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COVID Credit Card Debt Relief: Who Offers It?
Richard Barrington

March 21, 2022

How to get COVID debt relief for credit card debt. While there is no formal government-backed COVID credit card debt forgiveness program, many financial institutions and loan servicers are working with customers impacted by COVID.

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How to Get Out of Credit Card Debt Fast
Erik J. Martin

March 20, 2022

Get out of credit card debt fast with debt acceleration, consolidation, debt management, debt relief, or bankruptcy.

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Credit Card Minimum Payment: Everything You Need to Know
Richard Barrington

March 13, 2022

Credit card companies set minimum payments low to make more money. Get out of credit card debt by paying more.

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Maxed Out Credit Cards: Why It's Bad and What to Do About It
Rebecca Lake

February 23, 2022

Why is it bad to max out your credit card? Learn how to deal with maxed out credit cards and get debt under control.

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How Much Credit Card Debt Is Too Much?
Erik J. Martin

February 21, 2022

Learn the signs that you’re carrying too much credit card debt. How to get out of credit card debt.

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How to Consolidate Credit Card Debt
Rebecca Lake

January 25, 2022

Credit card consolidation can make it easier to pay off credit card balances. Learn how to successfully consolidate credit card debt and avoid credit consolidation mistakes.

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How Soon Will Minimum Payments Pay Off My Credit Card?
Noelle Marr

September 8, 2021

Only making minimum payments on your credit card month after month? Find out how long it could take you to pay them off and how much extra it could cost.

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The Credit Card Sign Up Bonus: Too Good to Be True?
Sara Korn

November 6, 2020

Free money, or a way to lure you deeper into debt? Here is what you…

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Teach Your Kids How to Use a Credit Card Before College
Justine Nelson

September 16, 2020

Before they go to college, or maybe even before, you'll want to teach your kids…

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Did the Fed Just Help You with Your Credit Card Debt?
Anna Baluch

September 9, 2020

The Fed’s new policy might affect your credit card debt. Find out how and what…

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Balances at a Historic Low: Time to Get Credit Card Debt Under Control
Anna Baluch

August 25, 2020

Surprisingly, the coronavirus pandemic is the perfect time to get your credit card debt under…

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7 Smart Ways to Use Your Credit Cards in a Recession
Anna Baluch

July 27, 2020

Credit cards can help you, rather than hurt you in a recession, as long as…

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