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Vivinavi Los Angelesクレジットカードの返済
- #1
-
- 借金
- 2005/08/27 16:43
今現在、６社のカードを持っていて、総額＄２５０００以上のバランスがあります。毎月の収入は＄３０００弱で＄１５００以上を返済していますが、金利を払うのが精一杯の状態で元金がほとんど減っていきません。
家を持っていれば担保にして銀行やリファイナンスの会社から低金利でリファイナンスできるのですが、持ち家も無く担保にできるものがありません。日本の家族の怪我の治療費のためにした借金なので自分で返済するのは当たり前だし、当然払いつづける気持ちはあります。できれば全てのカード残金を一つにして、なるべく低金利で返済したいのですが、どなたか良いお知恵がありましたら教えて下さい。
宜しくお願い致します。
- #2
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- Sasuke22
- 2005/08/27 (Sat) 23:48
- Report
Debt Consolidationというのがあります、抵当するものがなくても、その人の収入で判断するらしく、よくコマーシャルもやってます。
数社の高い金利のクレジットカードのバランスを一つにまとめたりするらしいのです。
きっとこういう会社はいくつも存在すると思いますが、試しにwww.mbna.com をご覧になってみてください。（この会社以外ちょっと思い浮かばなかったもので、、、）
- #3
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現在お持ちのクレジットカードの利用限度額にはまだ空きはありますか？
６社のカードの利息（ＡＰＲ）はそれぞれ何％ですか？
治療費のためにお金を借りられたとのことですが、カードを使って払われたのですか？
それとも現金化（キャッシュアドバンス）されたのでしょうか？
現在のクレジット状況にもよりますが、方法はあると思います。
質問ばかりで申し訳ありませんが、詳細がわからないとアドバイスが難しいので。
＃２さんが言われているDebt Consolidationですが、利用されることによって
クレジットヒストリーに影響が出ると聞いたことがあります。
Posting period for “ クレジットカードの返済 ” has been closed.
Please create new topic to continue the same topic.
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