Credit Card Debt Articles

How to pay off credit card debt: strategies, comparisons, and tips
Aaron Crowe

April 9, 2023

Paying off your credit card debt can seem overwhelming. We’ve come up with 7 ways to do it within 3 years or so.

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5 Unexpected legal outcomes of ignoring credit card debt
Richard Barrington

August 11, 2024

Learn what might happen if you ignore your credit card debt, and the best ways to handle it.

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How to Use a Secured Credit Card and Build Credit
Karen Cordaway

March 8, 2023

Secured credit cards can help you start building or rebuilding your credit in a matter of months. Discover how they work here.

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Authorized Users Are Not on the Hook for Unpaid Credit Card Debt
Peter Warden

June 19, 2024

Authorized users aren’t on the hook if the account holder dies or defaults. Don’t fall for debt collectors’ scare tactics.

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How to Cope and Consolidate Your Credit Card Debt When Unemployed
Rebecca Lake

July 8, 2020

Unemployed with credit card debt? Here are ways to manage it: contact creditors, apply for aid, budget, avoid adding debt, and consider consolidation

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Debt Validation Letter - How to Validate a Debt
Richard Barrington

February 12, 2023

When should you validate a debt? When a debt collector contacts you, respond within 30 days or they may assume the debt is legitimate. Learn how to validate a debt.

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When Can You Use a Credit Card Forbearance Program?
Miranda Marquit

March 5, 2023

Credit card forbearance can offer temporary relief when you’re struggling. Find out more about how a forbearance program can get you back on your feet.

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Is An Authorized User Responsible For Debt?
Richard Barrington

January 8, 2023

Authorized users can use an account with the responsibility to pay. Read this to find out how it works.

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How to use hardship programs to temporarily suspend credit card payments
Richard Barrington

July 18, 2024

Credit card hardship programs might help you catch up on debt payments. Here’s how they work

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Defensive Strategies in Court for Credit Card Debt Lawsuits
Richard Barrington

June 19, 2024

Being sued for unpaid credit card debt requires some tough choices. Here are 7 options to consider.

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Zombie Debt: Don’t Let It Rise To Bite You
Gideon Sandford

February 7, 2023

If an old debt threatens to claw its way out of the past to haunt you, you might not have to pay it. Our expert explains.

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Can You Inherit Credit Card Debt?
Tammi Huang

October 24, 2013

Can you inherit credit card debt from your parents? Usually not, but there are a…

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How to Consolidate Credit Card Debt
Rebecca Lake

January 25, 2022

Credit card consolidation can make it easier to pay off credit card balances. Learn how to successfully consolidate credit card debt and avoid credit consolidation mistakes.

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Is it a good idea to use a 401(k) loan to pay off your credit card debt?
Peter Warden

January 23, 2023

Should you pay down your credit card debt using a 401k loan? Discover the pros, the cons and the alternatives.

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Can You Go To Jail For Credit Card Debt?
Rebecca Lake

January 8, 2023

Carrying credit card debt won't lead to jail time, even if you default. However, you could face other legal action if you fail to pay.

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How Many Credit Cards Should You Have?
Richard Barrington

November 22, 2022

How Many Credit Cards Should You Have? Either too many or too few credit cards could cost you. Handling credit responsibly is more about how you use your cards than...

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How to Stop Credit Card Collection Calls
Aly J. Yale

February 23, 2022

Learn your rights and how to stop collection calls from credit card companies and debt collectors.

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What Goes on Behind the Scenes of Your Credit Card?
Erik J. Martin

April 7, 2022

Learn how secured credit cards, cashback credit cards, rewards credit cards and travel credit cards work. And how to take cash advances on credit cards.

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What is the Fair Debt Collection Practices Act - FDCPA?
Rebecca Lake

February 16, 2023

Get an angry call from a debt collector? Learn how to use the Fair Debt Collection Practices Act to stop the harassment.

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Does Paying Off Your Credit Cards Help Your Credit Score
Rebecca Lake

February 15, 2023

Paying off credit cards can help your credit scores in the long run. However, there are some situations where credit cards can hurt your scores if you're not careful.

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7 Tips to Help You Pay Off Credit Card Debt
Karen Cordaway

February 7, 2023

Credit card debt can be overwhelming. Learn to crush it with these tips.

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Pros and Cons of Using a Personal Loan to Pay Off Credit Card Debt
Rebecca Lake

January 23, 2023

What are the pros and cons of using a personal loan to pay off credit card debt? Quicker payoff time and lower interest rates are great benefits, But if you are...

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What Happens to Credit Card Debt When You Die?
Gideon Sandford

January 8, 2023

Worrying about your estate and planning for the future is important.

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Credit Card Debt Lawyer: Should You Use One?
Gina Freeman (Pogol)

January 8, 2023

Debt lawyers specialize in law concerning the collection of debt. If you loan money to someone, you may use a debt lawyer to file a lawsuit to collect it.

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How to Read Your Credit Card Statement
Peter Warden

December 25, 2022

Reading your credit card statements can help you manage your money. Your statement will tell you when your interest rate or terms will change. Key details include...

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How to Refinance Credit Card Debt
Richard Barrington

December 7, 2022

Learn how to refinance credit card debt and whether you should choose a balance transfer, debt consolidation loan or another method to…

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