inOnline Tools to Help Clear Credit Card Debts
THE web is empowering us in new ways all of the time, and though you should be careful who you give your information to online, there are some great tools available which can be financially empowering.
Whether you’re looking to plan a budget, manage your debts or crowd-source some answers to the financial questions puzzling you – there’s likely to be a tool, website or web platform that can do the job for you.
So, in an age where we have easy-access to infinite information, perhaps the web should be your first port-of-call when organizing your finances.
For example, ReadyForZero.com is an online tool which gives you personalized recommendations on reducing (and clearing) your credit card debts.
ReadyForZero is free-to-use and promises to be a “gimmick-free” source of advice and guidance based on the information you submit, such as the amount you owe, how many credit cards you have and their respective rates. The tool has already earned a lot of praise from sites like lifehacker.com and techcrunch.com
An optional feature also allows users to anonymously and securely share a snapshot of their credit card debt information with potential lenders.
Over in the UK, Moneysupermarket.com has a tool which allows visitors to see which credit cards they would be likely to be accepted for without having to make a bona fide application, which could potentially damage their credit ratings if they were to be rejected.
In exchange for some personal information and an email address, the user is sent a table of the current cards on the market with a 1 to 10 score of how likely they would be to be accepted for, let’s say, a 0 per cent balance transfer credit card – which they could then use to consolidate the debt on several cards.
Other new-comers to the web-based personal finance tools forum include MyJibe.com which hopes to take on Mint for the top-spot.
MyJibe differentiates itself from the hugely-successful Mint by offering a platform that not only tracks budgets and spending, but also provides for planning for future saving and spending. The service is not free though, and users pay a monthly subscription fee.
Addressing the security issue or sharing your sensitive financial information online is relative new-comer DoughHound.com. The site offers similar features for tracking spending and saving as many other similar sites, but doesn’t ask you to submit any personal or sensitive information. The site is also free to use.
Can I “Opt out” of a credit card if my interest rate was increased ...
I transferred a balance from a high interest card (my wife’s) to a lower interest card under my name alone because her credit was bad. We divorced on civil terms, and I was left with the debt but she agreed to make the monthly payments. She missed payments and I never was forwarded the bill so the interest rate went from 9% to 27% on a significant balance. I wasn’t even aware she wasn’t making payments until I checked my credit score to buy a house so I would like to close the account and pay the balance off in the next year–do I have a legal right to have the interest rate assessed at 9%? Thanks in advance!
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