If you’re reading this, there’s a 50% chance you have credit card debt — nearly half of U.S. adults do. And if you don’t pay it off every month, you’re draining your bank account with unnecessary — and terribly high — interest payments.
And the truth is, your credit card company doesn’t really care. It’s just getting rich by ripping you off with high interest rates — some up to a whopping 36%!
But there are five (legal) ways to escape it…
1. Ask This Website to Pay Your Credit Card Bill This Month
No, like… the whole bill. All of it.
While you’re stressing out over your debt, your credit card company is getting rich off those insane interest rates. But a website called Fiona
could help you pay off that bill as soon as tomorrow.
Here’s how it works: Fiona can match you with a low-interest loan you can use to pay off every credit card balance you have. The benefit? You’re left with just one bill to pay every month, and because the interest rate is so much lower, you can get out of debt so much faster. Plus, no credit card payment this month.
If your credit score is at least 620, Fiona can help you borrow up to $250,000 (no collateral needed) with fixed rates starting at 2.49% and terms from 6 to 144 months.
Fiona won’t make you stand in line or call a bank. And if you’re worried you won’t qualify, it’s free to check online
. It takes just two minutes, and it could save you thousands of dollars. Totally worth it.
All that credit card debt — and the anxiety that comes with it — could be gone by tomorrow.
2. Let This App Pay Your Credit Cards When You Win Solitaire
Lots of us already play Solitaire on our phones for fun or just to pass the time. Want to see if you can win money at it that can be used to pay off your credit cards?
There’s a free app called Solitaire Cash
that pays you up to $83 every time you win.
You might be thinking: There’s got to be a catch. This is definitely one of those spammy apps, right?
Wrong. There really isn’t a catch. And, in fact, there aren’t even any annoying ads.
With each game, you’ll battle it out against at least five other players. Everyone gets the same deck, so winning is totally a matter of skill. The top three players who solve the deck fastest can win real money — anywhere from $1 to $83.
Over on the App Store, it has over a million downloads and more than 15,000 ratings, averaging 4.7 stars (out of 5).
To get started, just download the free app
and start playing your first game immediately.
3. Let This Company Negotiate Your Debt in Half
If you’re drowning in debt or dodging phone calls from creditors, it might be time to call in reinforcements.
A company called Accredited Debt Relief
will call your credit card companies (or other creditors) and convince them to reduce your bill — lowering them by as much as half!
Wouldn’t it be nice if you woke up tomorrow with half of your credit card debt gone?
Kerry Smith, a Green Beret combat veteran, used Accredited Debt Relief to help him tackle $84,000 worth of debt. He was able to lower his monthly payments by $700, leaving him more money to take care of his family.
“They’ve been able to negotiate these accounts that were $15,000 or $20,000 down in half, and that’s just something that I can’t do on my own,” Smith says. An added perk? No more calls from creditors.
Want to see how much you could save? It takes less than a minute to sign up for a free initial consultation
. The program generally works with people who owe more than $15,000, and the average person enrolled in the program is debt-free within two to four years.
4. Pay off Debt by Saying Goodbye to Your Car Insurer
Paying off debt is a great way to boost your credit. And one of the best ways to pay off debt is to clear up some extra room in your budget. Easier said than done, we know. But when was the last time you compared car insurance rates? Chances are you’re seriously overpaying with your current policy.
If it’s been more than six months since your last car insurance quote, you should look again.
And if you look through a digital marketplace called SmartFinancial
, you could be getting rates as low as $22 a month — and saving yourself more than $700 a year.
It takes one minute to get quotes from multiple insurers, so you can see all the best rates side-by-side. Yep — in just one minute you could save yourself $715 this year. That’s some major cash back in your pocket.
So if you haven’t checked car insurance rates in a while, see how much you can save
with a new policy.
5. Earn Cash While Watching Cooking Videos Online
If we told you that you could get paid to watch cooking videos on your computer, you’d probably laugh.
It’s too good to be true, right?
But we’re serious. A website called InboxDollars
will pay you to watch short video clips online. One minute you might watch someone bake brownies and the next you might get the latest updates on Kardashian drama.
All you have to do is choose which videos you want to watch and answer a few quick questions about them afterward.
No, InboxDollars won’t replace your full-time job, but it’s possible to earn up to $225/month watching videos. That’s money that can go right towards your credit card debt.
Unlike other sites, InboxDollars pays you in cash — no points or gift cards. It’s already paid its users more than $56 million.
It takes about one minute to sign up, and you’ll immediately get a $5 bonus
to get you started.
6. See If Your Credit Card Company Made a Mistake
Did you know that one in five people have an error on their credit report that could be costing them thousands of dollars?
The credit card companies are famous for reporting misinformation to the three bureaus.
Thankfully, a website called Credit Sesame
will help you detect any errors — for free. If you find any, it will even help you dispute them.
Salome Buitureria, a working mom in Louisiana, found a major error on her report this way. Using Credit Sesame, she was able to fix the mistake and take additional steps to raise her credit score from 524 to nearly 700.
Now she and her husband feel like they’re in a better position for their biggest goal — purchasing a house.
Want to check for yourself? It only takes about 90 seconds to sign up
*Like Buitureria, 60% of Credit Sesame members see an increase in their credit score; 50% see at least a 10-point increase, and 20% see at least a 50-point increase after 180 days.
Credit Sesame does not guarantee any of these results, and some may even see a decrease in their credit score. Any score improvement is the result of many factors, including paying bills on time, keeping credit balances low, avoiding unnecessary inquiries, appropriate financial planning and developing better credit habits.