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Vivinavi Los Angelesクレジットカードの返済
- #1
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- 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。
- #17
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- indian
- 2006/01/17 (Tue) 18:43
- Report
#10せんさんの書かれていたinchargeですが、ホームページを見てみたのですが、他に経験された方はいらっしゃいますか？もう少し詳しく聞きたいです。それと他のDebt Solutionを経験した方の御意見も聞きたいです。
- #19
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- SM男
- 2006/01/18 (Wed) 12:19
- Report
日本の家族は持ち家とか担保になるものはないのかな？そうすれば日本の金利で融資を受けられて返済が楽になるはず。
カードの利子は１７とか２５％でしょ？
- #20
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私もクレジットカードを数枚持っていて、総額が2万５千ドルあったのですが、Careone Credit Counselingという会社を通して借金を一括にしました。金利がとても低くなり、毎月の返済もかなり減りました。総額が2万5千ドルあったのですが、毎月の返済金額が７００ドルで4年間で返す事ができます。お勧めします！www.careonecredit.com
- #21
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私も短い間ですが金融で働いてました。日本の場合も持ち家が担保になります。ケースバイケースで担保なしでも融資は受けられますが、貸し渋り時代のため審査は厳しいと思いますよ。
日本の銀行でローンを組む場合、日本に住所のある家を買う場合にしかローンは組めません。でも日本のスイス銀行や外資系の銀行であればアメリカよりも低金利でアメリカの住宅ローンを組めるかも？しれませんよ。調べた事ありませんが・・・
Posting period for “ クレジットカードの返済 ” has been closed.
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