QuantumOtter's latest activity
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QuantumOtter replied to the thread Should I use Upstart to consolidate my credit cards if it barely lowers my payment?.Don't do it. Your credit will be bad for one to two years. In the second year you'll finally catch up, but that one big payment will be... -
QuantumOtter replied to the thread Should I take out a loan to consolidate $35K in credit card debt?.The risk is that many people consolidate with this mindset, then rely on their credit cards again. In the end, they face the same debt...
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QuantumOtter replied to the thread How do I start paying off credit card debt without losing my cards?.For clear financial guidance, check out Rebel Finance School. Their YouTube videos explain the process effectively.
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QuantumOtter replied to the thread Should I transfer $15k credit card debt to a 0% APR offer?.Yes, if you are certain you can pay it off within 21 months. Otherwise, interest will accrue for the entire 21 month period.
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QuantumOtter replied to the thread Will my credit score recover after debt consolidation and closing cards?.I’d like some practical advice. My husband’s income can be inconsistent, and it’s been lower recently, especially during the holidays...
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QuantumOtter replied to the thread Should I use a debt management company to pay off $30k in credit card debt?.When you negotiate a lower interest rate directly with your credit card company, they typically suspend your card privileges during the...
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QuantumOtter replied to the thread How can I tackle $51k in debt without ruining my 759 credit score?.I want to help. If you have new debt after taking two consolidation loans, the core problem is likely your spending habits. Debt...