what should i do about paying off the credit cards?
544208
Ditch the vacation.  You got into financial trouble by living beyond your means.  Don't make things worse by taking a vacation with money that you can use to pay down your debt.\n\nIt doesn't matter whether you pay off the cards in your name first or the ones that are jointly in your names.  You are husband and wife.  You're both in this together.\n\nPay off the cards with the highest interest rate first.  This will give you some measure of relief.  Then with the money that would have gone to making the minimum payments on those cards, apply all that extra money to paying off the card with the next highest interest rate.  While you're doing all this, make sure that you keep up the minimum payments on all the other cards.\n\nKeep repeating the process until all the cards are paid off.  And don't use *any* of the credit cards until the last one is paid off.  You don't need to be paying any new interest costs while you're trying to eliminate the old ones.
485300
First, try to learn proper grammar.  Second, you can try to call whoever you owe to have the interest reduced, which will reduce the payment amount.  Third, manage your credit so you don't get into this problem again.
927112
You can go to your bank and get a security credit card.  You have to give up the money first though.  You give them the money up front and then when you use the credit card you pay back.  Call the bank for more info.
1031512
Here's a hypothetical situation that may help... \n\nSay you have three cards: One at 30%, another at 25% and another at 20%.\n\nYou have to pay them all each month, but don't try to pay them off all together. Pay the highest rate card off first and you'll save a ton of money in interest.\n\nHow to do it: Pay the minimum on the 20% and 25% cards, and then pay all you can afford to on the 30%. This will pay down the 30% card quickly, while the other two go down slowly or hold somewhat steady.\n\nThen, when you've got the 30% card paid off, take everything you were putting toward that, and put it toward the 25% card, while still paying the minimum on the 20% card.\n\nThen, once the 25% card is paid off, put all that money toward the 20% card.\n\n*** Remember: Whatever you do, don't try to pay them all down together.*** You need to prioritize, and pay the highest first while only paying the minimum on the others***\n\nAlso, don't be afraid to call up the companies and try to get your rates lowered. It sometimes works, but not for me. I threatened to get a loan at a much lower rate through my credit union and pay off the ~$3000 I owed to MBNA.  They still refused to do anything, and I followed through, and paid it off immediately.\n\nNow, I still owe part of that to my credit union, but it's at 12%, no 28.75%. The same thing may work for you. They're bullies, so don't be afraid to bully them back.\n\nDon't use a debt-consolidation company. Try to get a loan through your bank or credit union, and pay it all off. If you can do it, it'll be a lot easier.
510288
Pay the one with the highest APR first. To get them all paid off though,.. whatever the minimum payment is right now - pay that EVERY month - even when the min amt due changes and lowers - don't do it. Stick with the curent amount. When you get the first one paid off, take the money you were using on that one and put it toward the card with the highest APR. Keep doing this. You will have your cards paid off completely in a few years. I had over $20K in credit cards and in less than 4 years, I'm down to 2 cards - one with $3000 and one with about $600. Good luck.
77218
Get a personal loan and pay off those credit cards asap.
15292
Stop using your credit cards.\n\n \n\n“People change their lives only when they say, ‘I’ve had it!’” – Les Brown\n\n \n\nThink you can’t exist in the 21st century without credit?  Do you have at least one credit card?  Did you sign up just for the bonus miles or cash back?  Sounds like it’s time for you to perform a plasectomy.  (That’s what Dave calls cutting up your credit card.)  You’ve heard all the lies, now here are a few facts about credit.\n\n \n\nMyth: No on can live without credit cards.\n\nFact: Actually, 24% of American households are getting by just fine without any type of credit according to a Federal Reserve survey of consumer finances.  Try using your debit card or cash instead.  If millions of Americans can live without credit, so can you!\n\n \n\nMyth: Credit cards help me get airline miles, cash back and other discounts.\n\nFact: Yeah, credit cards also help you get into debt.  Consumer Reports say that only 25% of airline miles are ever redeemed – and credit card companies know it.  Earning a few airline miles is not worth thousands of dollars in debt.  \n\n \n\nMyth: I can just pay off the balance at the end of every month.\n\nFact: You’ll be in the minority.  According to CardWeb.com, only 40% of credit card users pay off their balance when they receive the bill.  Plus, overspending is inevitable when you use a credit card.  It’s just easier to swipe a piece of plastic than it is to flash the cash.\n\n \n\nMyth: “Ninety days same as cash” is the smart way to buy.\n\nFact: “Ninety days same as cash” is a scam.  Retailers know that most consumers won’t pay their balance in 90 days, which means you get stuck with outrageous interest rates and back charges to boot.\n\n \n\nMyth: I’m required to have a credit card to buy a house.\n\nFact: Several quality mortgage companies provide underwriting which allows you to purchase a home without a credit card.  If your mortgage lender requires a credit card for your home loan, run – don’t walk – to a lender who will actually help you achieve freedom from credit.
492338
It is best to stop using the cards, cut them up, throw them away, pay them off and start putting money in savings instead of using credit (spending money you don't have) to buy stuff.\n\nIf you can't pay it off by the due date, pay at LEAST the minimum (more if you can) BEFORE then, and pay the rest when you get it (don't wait for the next due date or you'll rack up more interest charges).\n\nWhile you're waiting for your savings to build up, keep the lines open - if you've cut up the cards and thrown them away, like I said, you won't be able to use them.  Once you have a couple thousand dollars in savings, close the accounts and stop worrying about your credit score.\n\nIf you have money in the bank, lenders will see that you're not spending every penny you make (and more, with credit cards) and won't care about your credit score.\n\nOh, and don't buy a car with credit.  And NEVER buy a NEW car, they depreciate too quickly.  Only thing you should buy on credit is a home!
20158
1> Cut up all the credit cards!\n2> Review all your bills.  Pay mortgage / rent first. Then pay down the stuff with the highest interest rates.\n3> Sell off stuff you don't need or use.  Ebay or Craigslist.com
118797
Buy some furniture and pay it off on their 30/60/90 day no interst plan.\n Be sure to pay off the balance on the third payment.\n\nReally, you are young and have a lifetime to pay their pockets.  You won't have any problem getting a credit card. Ask me later how you can get out from under 20k debt.
436731
If you have credit card debt that's probably th first place to start compared to homeowner or student loan debt.\n\nThe generally accepted best approach to paying dowbn debt goes a little something like this:\n1.) stop taking on new debt aka stop your discretionary spending\n2.) pay the minimum payment on all your bills except for the one with the highest interest rate. The bill with the highest interest rate should be paid down as aggressively as possible aka pay as much as you can to that bill after paying the minimums on all the other bills.\n3.) If you're getting offers for new credit cards with lower interest AND free balance transfers, then sign up for that card and transfer all your debts to that card from other credit cards and then it's easier and cheaper to concentrate on paying down that card.\n4.) Call your credit card companies and request lower interest rates, if you don't ask they won't offer it, so call!
984702
You could ask them to lower the interests on it, most will do.\nThere are also Consolidation firms who will pay it off for you then you pay them at a lower interest rate, however there are all kinds of sharks out there so you want to be careful who you choose to use.\nBelow you will find some interesting reading on these matters:\nhttp://credit-cards.ebookorama.com\nhttp://finance.ebookorama.com \nhttp://credit.ebookorama.com\nhttp://credit-repair.ebookorama.com\nHope it helped, cheers.
812997
close all your accounts but one in case of an emergency.  Start paying off the highest intrest rate, and the cont. down the list. if you pay 100 a moth to card a add 50 bucks, when that is paid off take the 150 you were paying to card a, and card B's payment is 100 make it 250 and you will pay off stuff quicker.   \n\nWhat is most important is not adding debt to what you already have.   By paying stuff off will help your rating
1094421
pay cash for things not charge. payoff what debt you have as soon as possible by making payments for more than the minumin due.
756299
The easiest way to do it is to apply for a new card and fill out the section of the application that deals with transferring the balance on your "old" card.  You'll have to give them your credit card number and the amount you want paid.  If you already have two cards, you may be able to pay the bill over the phone or online.  Best way to find out is to contact the company that holds the credit card you want to pay off and ask them if they'll accept another credit card for payment.  If all else fails, you may be able to take out a cash advance on the other card and use the cash to pay the bill on the card you want to pay off.
30187
Pay off those charges, especially if your interest rate is over 10%.  It's always good to have some money in savings, but if you want your money to go further, get rid of those charges, it's like paying a middleman for an item purchased for YEARS!!!
607012
start by becoming a responsible spender. pay your bills and keep paying them on time. it will take a while, but eventually your credit score will come up. if you are in debt over your head, try a consumer credit counseling service. they help you pay off your bills and a lot of times reduce your debt load by negotiating with the card companies on your behalf. might be a good idea to check into