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其中美国拥有最多的信用卡债务?

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总的来说,美国人欠的信用卡债务超过一万亿美元创纪录的金额,事实上。和携带信用卡债务的家庭往往有数千美元跨越多张卡的余额。它已经成为生活中的常用方法赊,回报你欠在以后的日子什么。

Of course, credit cards play an important role in helping consumers build their FICO scores, or the ratings lenders use to assess how likely you are to repay money in full and on time. A history of responsible credit card use will boost your score and make it easier to qualify for credit; a history containing late payments or maxed-out lines of credit will hurt your standing. Credit cards are not inherently bad or dangerous. It all boils down to how they’re used.

就像信用卡债务从因人而异,它也由国家而异。这里有一个破败哪些国家拥有最信用卡债务,以及对居民如何解决其未偿还余额的一些信息。

与大多数信用卡债务的国家

根据ValuePenguin这里有10个州平均信用卡债务2018年的最高水平:

  1. Alaska—$13,048
  2. Wyoming- $ 11,546
  3. Utah- $ 11222
  4. California—$10,496
  5. Montana—$9,759
  6. New Jersey—$9,454
  7. Colorado—$9,108
  8. 纽约 - $ 8,764
  9. Oregon- $ 8,619
  10. Idaho- $ 8,570

相比之下,俄亥俄州,南卡罗来纳州,缅因州,密歇根州和宾夕法尼亚州曾在国内受到国家的最低债务水平。

不出所料,随着生活的高于平均成本的国家往往有高于平均水平,大量的信用卡债务了。居民生活更多的住房,食品,交通和工资成本高拼杀娱乐,这意味着他们架了更高的信用卡账单andhave less income to devote toward paying them off, fueling this cycle. As a general rule of thumb, cities in coastal states tend to have higher debt levels than those more inland.

At the end of the day, anyone can find themselves deep in credit card debt, whether it occurs gradually over the course of years or suddenly following an unexpected expense. Carrying credit card debt isn’t the end of the world, but it’s important to have a plan to address it beyond simply paying the minimum balance due each month. Why? Because paying the minimum balance only prevents late fees; it does nothing to stop interest from building up.

策略减少和消除债务

Whether you live in a big city or a rural setting; a landlocked area or along the ocean, debt happens. If you find yourself deep in debt, it’s time to explore your options for reducing and eliminating it.

  • Credit counseling:使用经过认证的辅导员工作更多地了解预算,债务管理和信用,所以你可以创建一个个性化的计划。信用顾问可能会建议您在债务管理计划(DMP),它可以帮助你降低利率,以换取及时付款报名。
  • 债务清偿: Enrolling in a reputable program means depositing money monthly into a dedicated account, often at the expense of paying your credit card bills. However, once you’ve built up enough, negotiators will reach out on your behalf to creditors, attempting to reach a significantly lower settlement. What makes a program reputable? One with a proven track record of results, to start. Here’s one example: Thousands ofFreedom Debt Relief reviewsgive insight into how this program has resolved more than $10 billion in debt for more than 600,000 people.
  • Debt consolidation: Use a lower-interest consolidation loan to pay off your credit card debts all at once. Then repay that loan in regular installments over time. It’s important to make sure you won’t end up paying more in interest over time—and that you can follow through on repaying the loan in full.
  • 破产:一个最后的努力,宣布破产是一个法律过程,使消费者可以消灭部分或全部债务,经常in exchange for assets或者它们的价值。

无论你住在该状态的最高或最低的信用卡债务或介于之间,总有可用的债务减免方案。

作者简介

阿凡达
LaDonna Dennis

LaDonna丹尼斯妈妈博客协会的创始人和创造者。beplay app她戴着帽子很多。她是个家庭主妇* *博客*工匠读者*平纳*朋友*动物爱好者*弗罗斯特画报和癌症幸存者......原作家!LaDonna婚姻美满到她的生活,3个成年子女和“21克”的母亲3个孙辈的爱。她很喜欢动物,有四个furbabies:Makia(一只德国牧羊犬,其使命在生活中要她连接到她的臀部)和Hachie,(一个OCD阿拉斯加雪橇犬,和AKIA(阿拉斯加雪橇犬)谁就是甜可,而且野蛮女友,四个月大的德国牧羊犬谁已经迅速偷了她的心脏,并从她的生活中的人成为所有时代最珍贵的毛皮宝宝。除此之外,LaDonna的皮毛婴儿是她的世界。

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