Others succeed because debt consolidation is part of a bigger plan to gain control over their finances.
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Ideally, that new debt has a lower interest rate that makes payments more manageable or lets borrowers pay off the total more quickly.
Many people try debt consolidation, but not all emerge better off.
Some borrowers wind up in worse shape, either because they run up their credit cards again or because their debt remains overwhelming despite the better repayment terms.
As with anything there are advantages and disadvantages to using credit cards. Also, if you report a lost or stolen card promptly, you're protected against its unauthorized use.
Your informed use of credit cards begins with understanding these. Credit can help with an expensive, unexpected emergency and give you the flexibility to pay it over time. Record Keeping: Your credit card statement is an itemized list of your monthly expenditures, which can be helpful when it comes to budgeting.
Convenience: Credit cards are accepted at more places than checks, and they're generally faster to use.
Bill Consolidation: Bills can be paid automatically via credit card, consolidating several payments into a single lump sum.
Rewards: Using a credit card with a rewards program may earn you benefits like free travel.
The main disadvantage to credit card usage is its cost to you in interest and fees.