“You fall a bit behind on a credit card bill, your interest rate soars, your minimum payment rises, and you start falling more and more behind every month. You don't see an end. But you don't want to file bankruptcy either. What you can do - and should do - is negotiate.” WantShouldEndsFallBitsInterestCan DoBehindsMonthsBillsRateCreditCardsMinimumSoarFilesPaymentCredit CardBankruptcyInterest Rate Author:Jean Chatzky
“In most cases, if you've gotten to this point, you've already received a letter or phone message from your creditor with the name and extension of a representative. If you haven't, you can call the toll-free number on your bill, but keep in mind that the person who answers may not have the power to negotiate a settlement. Ask to speak to someone who is either a supervisor or in the settlement department, if the creditor has one (as many do).” IfsMindMayPersonsAsksNamesSpeakAnswersNumbersCasesHavensMessagesLettersBillsPhonesDepartmentRepresentativesExtensionsSettlementTollsCreditorsSupervisors Author:Jean Chatzky
“In fact, the bigger the bill, the less likely you are to spend it. If you want to really save money, spend only cash and carry only fifty-dollar bills.” IfsWantFactsBiggerBillsDollarsFiftyCashSaving MoneyDollar Bills Author:Jean Chatzky
“Don't let the fact that you're spending time getting organized result in late fees on your credit card bills.” FactsResultsLateBillsCreditSpendingCardsOrganizedCredit CardFeesSpending Time Book:Make Money, Not Excuses: Wake Up, Take Charge, and Overcome Your Financial Fears Forever Source: Make Money, Not Excuses: Wake Up, Take Charge, and Overcome Your Financial Fears Forever
