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Posted by / 04-Jul-2017 06:40

If the monthly payment on your American Express Personal Loan is lower than the combined minimum due on the cards you are consolidating, it may be due to a lower interest rate on your loan, a longer loan period, or a combination of both. The credit card debt example assumes monthly payments of 7.90 on an existing credit card balance of ,000 at a 15.15% APR, not including additional purchases, payments, or credits.

Actual savings may vary based on your approved monthly repayment amount and the repayment period you select for your American Express Personal Loan as compared to the repayments you would have made on your credit card(s).Whether the crisis is caused by personal or family illness, the loss of a job, or overspending, it can seem overwhelming. Your financial situation doesn’t have to go from bad to worse.If you or someone you know is in financial hot water, consider these options: self-help using realistic budgeting and other techniques; debt relief services, like credit counseling or debt settlement from a reputable organization; debt consolidation; or bankruptcy. It depends on your level of debt, your level of discipline, and your prospects for the future.The first step toward taking control of your financial situation is to do a realistic assessment of how much money you take in and how much money you spend. Then, list your "fixed" expenses — those that are the same each month — like mortgage payments or rent, car payments, and insurance premiums.Next, list the expenses that vary — like groceries, entertainment, and clothing.

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Don’t wait until your accounts have been turned over to a debt collector.

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