{"id":1540,"date":"2018-04-16T14:46:35","date_gmt":"2018-04-16T18:46:35","guid":{"rendered":"http:\/\/gwywp8381.cloudapp.net\/?p=1540"},"modified":"2019-10-17T01:59:21","modified_gmt":"2019-10-17T05:59:21","slug":"settle-credit-card-debts-in-4-simple-steps","status":"publish","type":"post","link":"https:\/\/www.lendvious.com\/blog\/blog\/2018\/04\/16\/settle-credit-card-debts-in-4-simple-steps\/","title":{"rendered":"Settle Credit Card Debts in 4 Simple Steps"},"content":{"rendered":"<p>\u2018Buy now, pay later\u2019 \u2013 that\u2019s the premise credit card companies work on. They offer you the convenience of buying things that you otherwise can\u2019t afford or pay for instantly. It\u2019s a perfect arrangement- but only as long as you have the ability to repay! And this is what many credit card users fail to understand. Most consumers have multiple <a href=\"https:\/\/www.lendvious.com\/blog\/category\/credit-cards\/\">credit cards<\/a> and have a tendency to overuse them. And by the time they realize this, they\u2019re entangled in a complex web of credit card debts.<\/p>\n<p>With continuous reminders from credit card companies and mounting interest amounts, the experience of being trapped in credit card debts can be quite tormenting. But worrying about it won\u2019t get you out of trouble. Here are some simple steps that can help you settle credit card debts:<\/p>\n<p><strong>These resources will help you know about credit card debts:<\/strong><\/p>\n<ul>\n<li><a href=\"https:\/\/www.lendvious.com\/blog\/what-drives-credit-card-debt-in-america\/\">What Drives Credit Card Debt in America<\/a><\/li>\n<li><a href=\"https:\/\/www.lendvious.com\/blog\/3-simple-ways-to-lower-your-credit-card-interest-rates\/\">3 Simple Ways to Lower Your Credit Card Interest Rates<\/a><\/li>\n<li><a href=\"https:\/\/www.lendvious.com\/blog\/your-first-step-to-freedom-from-debt\/\">Your first step to freedom from debt<\/a><\/li>\n<\/ul>\n<h2>Step 1 &#8211; Assess your credit card debt situation<\/h2>\n<p>Depressing as it may be, in order to settle credit card debts, you should know exactly how much trouble you\u2019re in. Look up your latest statements to answer these questions:<\/p>\n<ul>\n<li>How much you need to pay off?<\/li>\n<li>Are your interest rates too high?<\/li>\n<li>Have you been defaulting payments? If so, for how long?<\/li>\n<li>What is the minimum amount you\u2019re required to pay?<\/li>\n<\/ul>\n<h2>Step 2 &#8211; Understand Debt Negotiation \/ Settlement<\/h2>\n<p><a href=\"https:\/\/www.lendvious.com\/blog\/debt-settlement-programs-do-help-reveals-asu-study\/\">Debt negotiation or settlement<\/a> would mean that you make an offer to the credit card company to repay the debt if they agree to settle for a lesser amount than what you owe. But if you are doing this, you should be ready to pay the amount settled on, upfront. This can be beneficial because of two reasons. Firstly, you would be paying an amount lesser than what you owe. And secondly, it also means you wouldn\u2019t have to pay any more interest.<\/p>\n<h2>Step 3 &#8211; Evaluate Risks<\/h2>\n<p>Debt negotiation is a great option if you want to bring down the amount you owe to the credit card company. But it also poses some obvious risks. It could mean a cut in your credit line, which could make your card unusable in the future. Or, it can impact your <a href=\"https:\/\/www.lendvious.com\/blog\/how-to-improve-your-credit-score-in-2019\/\">credit score<\/a> depending on how the settlement is reported by the credit card company to the credit bureaus.<\/p>\n<h2>Step 4 &#8211; Negotiate your debt<\/h2>\n<p>Once you\u2019ve thoroughly understood your options and risks, talk to your credit card company and work out a settlement. Here are a few things you could request:<\/p>\n<ul>\n<li>A <a href=\"https:\/\/www.lendvious.com\/blog\/3-simple-ways-to-lower-your-credit-card-interest-rates\/\">reduction in the interest rate<\/a><\/li>\n<li>A waiver of the late payment fee<\/li>\n<li>A lower monthly minimum payment<\/li>\n<li>A lump-sum settlement for an amount lesser than what you owe<\/li>\n<\/ul>\n<p>Another simple method of being free of credit card debts is <a href=\"https:\/\/www.lendvious.com\/loans\/debt-consolidation-loans\">opting for a debt consolidation loan<\/a> or <a href=\"https:\/\/www.lendvious.com\/loans\/credit-card-refinance\">credit card refinancing<\/a>. This can help you reduce the burden of repayment to a considerable extent while simplifying the repayment process. So, go ahead and take that first step. Do away with your credit card debts!<\/p>\n","protected":false},"excerpt":{"rendered":"<p>\u2018Buy now, pay later\u2019 \u2013 that\u2019s the premise credit card companies work on. They offer you the convenience of buying things that you otherwise can\u2019t afford or pay for instantly. It\u2019s a perfect arrangement- but only as long as you <a href=\"https:\/\/www.lendvious.com\/blog\/blog\/2018\/04\/16\/settle-credit-card-debts-in-4-simple-steps\/\" class=\"more-link\">Read More<\/a><\/p>\n","protected":false},"author":1,"featured_media":1542,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[1549,32],"tags":[1616,1617],"class_list":["post-1540","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-credit-cards","category-reduce-debt","tag-credit-card-debts","tag-credit-card-refinancing"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v26.8 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>Settle Credit Card Debts in 4 Simple Steps - Lendvious<\/title>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/www.lendvious.com\/blog\/blog\/2018\/04\/16\/settle-credit-card-debts-in-4-simple-steps\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Settle Credit Card Debts in 4 Simple Steps - Lendvious\" \/>\n<meta property=\"og:description\" content=\"\u2018Buy now, pay later\u2019 \u2013 that\u2019s the premise credit card companies work on. They offer you the convenience of buying things that you otherwise can\u2019t afford or pay for instantly. It\u2019s a perfect arrangement- but only as long as you Read More\" \/>\n<meta property=\"og:url\" content=\"https:\/\/www.lendvious.com\/blog\/blog\/2018\/04\/16\/settle-credit-card-debts-in-4-simple-steps\/\" \/>\n<meta property=\"og:site_name\" content=\"Lendvious\" \/>\n<meta property=\"article:publisher\" content=\"https:\/\/www.facebook.com\/Lendvious\/\" \/>\n<meta property=\"article:published_time\" content=\"2018-04-16T18:46:35+00:00\" \/>\n<meta property=\"article:modified_time\" content=\"2019-10-17T05:59:21+00:00\" \/>\n<meta property=\"og:image\" content=\"https:\/\/www.lendvious.com\/blog\/wp-content\/uploads\/2018\/04\/credit-card-851506_640.jpg\" \/>\n\t<meta property=\"og:image:width\" content=\"640\" \/>\n\t<meta property=\"og:image:height\" content=\"426\" \/>\n\t<meta property=\"og:image:type\" content=\"image\/jpeg\" \/>\n<meta name=\"author\" content=\"sgoteti\" \/>\n<meta name=\"twitter:card\" content=\"summary_large_image\" \/>\n<meta name=\"twitter:creator\" content=\"@lendvious\" \/>\n<meta name=\"twitter:site\" content=\"@lendvious\" \/>\n<meta name=\"twitter:label1\" content=\"Written by\" \/>\n\t<meta name=\"twitter:data1\" content=\"sgoteti\" \/>\n\t<meta name=\"twitter:label2\" content=\"Est. reading time\" \/>\n\t<meta name=\"twitter:data2\" content=\"3 minutes\" \/>\n<script type=\"application\/ld+json\" class=\"yoast-schema-graph\">{\"@context\":\"https:\/\/schema.org\",\"@graph\":[{\"@type\":\"Article\",\"@id\":\"https:\/\/www.lendvious.com\/blog\/blog\/2018\/04\/16\/settle-credit-card-debts-in-4-simple-steps\/#article\",\"isPartOf\":{\"@id\":\"https:\/\/www.lendvious.com\/blog\/blog\/2018\/04\/16\/settle-credit-card-debts-in-4-simple-steps\/\"},\"author\":{\"name\":\"sgoteti\",\"@id\":\"https:\/\/www.lendvious.com\/blog\/#\/schema\/person\/600c1246a6247fb916805ab4b6227e46\"},\"headline\":\"Settle Credit Card Debts in 4 Simple Steps\",\"datePublished\":\"2018-04-16T18:46:35+00:00\",\"dateModified\":\"2019-10-17T05:59:21+00:00\",\"mainEntityOfPage\":{\"@id\":\"https:\/\/www.lendvious.com\/blog\/blog\/2018\/04\/16\/settle-credit-card-debts-in-4-simple-steps\/\"},\"wordCount\":528,\"commentCount\":0,\"publisher\":{\"@id\":\"https:\/\/www.lendvious.com\/blog\/#organization\"},\"image\":{\"@id\":\"https:\/\/www.lendvious.com\/blog\/blog\/2018\/04\/16\/settle-credit-card-debts-in-4-simple-steps\/#primaryimage\"},\"thumbnailUrl\":\"https:\/\/www.lendvious.com\/blog\/wp-content\/uploads\/2018\/04\/credit-card-851506_640.jpg\",\"keywords\":[\"credit card debts\",\"Credit card refinancing\"],\"articleSection\":[\"Credit Cards\",\"Reduce Debt\"],\"inLanguage\":\"en-US\",\"potentialAction\":[{\"@type\":\"CommentAction\",\"name\":\"Comment\",\"target\":[\"https:\/\/www.lendvious.com\/blog\/blog\/2018\/04\/16\/settle-credit-card-debts-in-4-simple-steps\/#respond\"]}]},{\"@type\":\"WebPage\",\"@id\":\"https:\/\/www.lendvious.com\/blog\/blog\/2018\/04\/16\/settle-credit-card-debts-in-4-simple-steps\/\",\"url\":\"https:\/\/www.lendvious.com\/blog\/blog\/2018\/04\/16\/settle-credit-card-debts-in-4-simple-steps\/\",\"name\":\"Settle Credit Card Debts in 4 Simple Steps - 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