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Having a credit card debt can be a sign that your budget is going through an imbalance for a while. Lack of planning, if maintained for months, has a great chance of making you spend more than you earn. And there you have, right? You can not pay the total invoice for the card and you end up entering the rotary. The big problem is that the interest rate of this debt is among the largest in Brazil and, therefore, getting out of it without a little help is getting more and more difficult. What is the best solution then? Swap it for a cheaper debt! It may sound strange, but it makes perfect sense! While the card-issuer charges an average interest rate of 334% a year, here in Just, for example, the rate offered starts at about 25% per year. But how does this exchange work?
1 – Know how much you should Check your invoice or financial institution to find out exactly the total amount you owe! Letting go of some fee or charge can disrupt the plan to trade for a cheaper debt.
2 – Ask for a loan Ask for a personal loan exactly in the amount you owe! Taking a larger amount will only make you pay higher interest than necessary. At that stage it is also worth comparing the rates of various credit providers and opting for the one that has the best deals for you.
3 – Negotiate the debt Once the loan money has fallen into your account, contact the financial institution and negotiate the full amount of the debt. Remember: now you have bargaining power and should ask for a discount to take everything in sight! The remaining amount can be used to cover some other hole in the budget or be spared so that you do not delay the invoice payment again.
4 – Get organized and have new habits With the situation more relieved, you will start paying for the new loan with smaller fees and installments that fit in your pocket. But that does not detract from the attention you need, okay? A loan is also a debt. It is essential to organize yourself so that you do not delay any payments from now on and keep your financial life up to date. You can even rethink your spending habits and balance everything within your budget.