HELP! I’m struggling to keep up with my credit card payments
Calling the credit card companies is the first thing I would do, tell them your predicament and see what kind of options they can offer in the situation.
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If you’re having trouble paying off credit cards, a debt consolidation personal loan is a great way to go. They’re lower interest and you can’t continue to add to the balance with new purchases. The reason your credit cards seem to be going up instead of down is that you continue to accrue interest on the balance. To make things simple, I’ll just throw out some realistic but imaginary numbers…
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Assuming you are asking about credit card debt. Also assuming that the goal is to get out of credit card debt completely, not just lower the debt. If so, there are a couple of ways to go about it.