someone share how to make money?

Question

Or pay off CC debt? I asked them to stop putting on interests until I can make payments but they said they wouldn't. It's a Visa and the other one is a VS card..

I'm in school for another two months and have a guaranteed job offer with this place afterwards but I literally can't get a job because of these hours..

Answer

Usually minimum payments are between $25-$35. Find a way to pay the minimum or else it will ruin your credit. Or, you could always do what another person mentioned previously... apply for another card, 0% interest introductory and do a balance transfer.

Answer

And I want to add to my last comment: 
It's one thing to get in credit card debt because you have to...but no one has to have Victoria secret clothing to survive and keep food on the table. If you can't afford what your buying with cash then you really shouldn't use a credit card. Because they are just making hand over fists on the interest rate if you aren't paying your balance off monthly.

Also please look up how a low credit score could impact your life for the next 7+ years of your life.

Answer

You could get another credit card with an introductory zero percent interest for 12 or 18 months and transfer the balance to have one payment and no interest.

Answer

Your first step is to stop using those cards and adding to your debt.

Secondly I would transfer the balance if the 2 cards to another credit card that has an introductory period if 12 months no interest.

I would then cut that card up so I couldn't add to the debt.

Then I would start paying as much as I could towards the new credit card.

If you don't get this fixed, and fixed now, you will be in debt until you wake up and realize you have to stop...and some people never wake up and realize it.

I'm a financial manager and it is so frustrating to see how easily people get over their head in debt but it can be almost impossible to get out of it.

Especially if the spending is out of control.

Look at YouTube videos. Find a method that works for you.

I've learned some people can not sit down and make a budget and stick to it. While some people cannot use the cash system. And others can't use face ramnsey' s plan.
Not everything is for everyone. That's why there is so much out there.

Answer

Interest is how they make their money unfortunately.

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Credit card companies cant necessarily stop adding interest but you can work out some type of payment plan with them if you can't make your minimum payments.

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I disagree with the people saying opening up another credit card. I would seek a personal or consolidation loan through a credit union. Its a different type of debt that actually looks good on your credit score. Whatever amount you get approved for throw 75% immediately on the card debt which could either pay off the smaller one and a nice chunk on the other or split it and put half on each payment. Then the other 25% of the personal loan needs to go into a separate savings that you DO NOT have daily access to and have the remaining money become your next few monthly payments to the credit cards. I do want to say that closing accounts hurts your credit score so I recommend paying down the smaller one to less than 30% of the cards credit limit and not closing the account completely. 
Once you get your mind in pay down mode and start seeing those balances go down you'll feel the world lift off your shoulders. Money is such a necessary evil it sickens me.

Answer

Pay the minimum is the best way. Or ask them to freeze the account. Dnt worry about interest, worry about not making minimum payments cuz if u dnt itll ruin your credit

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someone share how to make money?

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