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I just realized that I am paying way too many monthly payments. I have over twenty different credit cards and they are starting to catch up to me. It is not a lot of debt overall but having to deal with all these little payments is starting to get difficult. Trying to remember which payments are due and exactly how much to pay. I am going to start looking for some serious low interest credit cards with high limits so i can just transfer all of my little credit cards over to a couple of high limit cards so I only have to deal with a couple of payments. That would make everything so much easier

If you have bad credit than you know that it is almost impossible to get any more credit. This is where the loop comes in. Your credit is bad so no one will give you credit but the only way to restore your credit is to re-establish your credit. It is a never ending cycle and the only way out of it is to find a company that will give you some credit even though you already have bad credit that way you can begin to rebuild. Don’t worry there are bad credit offers from companies out there that are willing to work with you.

I have so many credit cards that I am considering getting rid of a few of them and finding better ones. I have credit cards that I opened from way back in the day when I first starting getting credit and although I have a history with that company they don’t give me the rewards that some of my newer companies do. SO I am thinking about just closing them out and opening some cards with some high reward companies. I recently saw this cash back gas credit card that gives you all kinds of bonuses with every purchase. I think I will go with something like that.

Alright so in my last post I talked about how there are so many different credit cards out there and that everyone should be looking to get the very best rate that they possibly can. Of course all of that depends on your credit and whether or not certain credit cards will work with you or not. To be honest with you sometimes I have no idea what certain credit card companies use for criteria in their credit selection process. Let me give you an example. I have excellent credit. I mean don’t get me wrong, like every other Americans out there I am buried in credit card debt. The point however is that I have lots of very high dollar credit cards and never so much as a 30 day late ever in my credit history. Well most of my credit cards are between 12-20k limits on them. Then capital one decides to send me a credit card in the mall with a pre-approval, so I check into it. $300 limit, I mean what the hell is that. I go out to dinner and spend more than that. Sometimes these companies can just be ridiculous.

That is why I am glad that there are websites out there that can help you to pick out the perfect card for yourself. I found one website that helped me to compare the best credit card offers out there and choose the right one for me. That is what I call helpful instead of going to multiple sites and searching for the small print on each card I just went there and got all the relevant information from competing cards in one shot. Check it out they can help you too.

Everyone has credit card companies that they like and dislike for their own very different reasons. Some people prefer credit cards that offer large cash advance amounts some prefer credit cards with very low apr’s and some are just looking for the best rewards programs out there. Personally I feel it all depends on what you plan on using the credit card for, if the monthly payments are an issue and how quickly you plan on paying it off.

For instance, if you plan on charging a lot of stuff and paying it off every month when the bill arrives, your concern should be more about the rewards you receive on your card then the interest. On the other hand if you plan on transferring a higher rate balance over to drop your monthly payments, your concerns should be more about the low long term apr than the rewards. You get the picture.