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.
- Wyoming- $ 11,546
- Utah- $ 11222
- New Jersey—$9,454
- 纽约 - $ 8,764
- Oregon- $ 8,619
- Idaho- $ 8,570
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.
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。