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Check pre approval for cap one platinum or quicksilver secured.

Call your credit card company and ask if they'll keep that 0% interest rate for another six months. While you have it, stop eating out so much and use that cash to pay down your balance. Stash your cards somewhere safe and don't touch them until you're debt free.

I've got some advice. Don't just use a debit card.

Think about moving your debt to a 0% card to pay it off easier. If you choose another option, just remember: keep your oldest credit cards open.

2 kids. $50 a month most months per kid. Min $25 a month per kid

Fam you gone have to get a secured card.

Debt free a high income is higher tax bracket so you pay more taxes.

Six years ago, interest rates were much lower, so refinancing now at 6% instead of keeping your 3% rate doesn’t make much sense. Instead of that, reach out to your credit card companies and ask if they can set you up with a hardship program they're often willing to help!

Go with the avalanche method since the balances are pretty similar, you'll save on interest over time.

Don’t ignore your credit card accounts—whether they’re open or closed. If you do, collections might come after you, and depending on the amount, they could even take you to court and threaten wage garnishment. Ignoring the problem won’t make it disappear—it’ll just get worse. Personally, I’m...

CITI and Capitol One first. After the promo period ends, if you haven’t paid off the balance, they’ll add interest that’s built up since you got the card—not just on new purchases. That’s why it’s important to pay it off before the promo ends.