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 Bills This Month
Imagine waking up with no credit card debt. Whether you’re stressed about being in debt forever or you’re just sick of the extra monthly bill, this would be a huge relief.
A website called AmOne wants to help.
If you owe your credit card companies $50,000 or less, AmOne will match you with a low-interest loan you can use to pay off every single one of your balances.
The benefit? You’ll be left with one bill to pay each month. And because personal loans have lower interest rates (AmOne rates start at 2.49% APR), you’ll get out of debt that much faster. Plus: No credit card payment this month.
You don’t need a perfect credit score to get a loan — and comparing your options won’t affect your score at all. Plus, AmOne keeps your information confidential and secure, which is probably why after 20 years in business, it still has an A+ rating with the Better Business Bureau.
And if you’re worried you won’t qualify, it’s free to check online . It takes just two minutes, and it could help you pay off your debt years faster.
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. 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 website called InsuredNation , you could save yourself up to $500 a year.
It takes just two minutes to answer some questions, and InsuredNation’s smart matching technology will show you the insurance companies that are the best fit for you. And don’t worry — InsuredNation uses the most advanced data security and encryption technology, so all your details are safe.
The website is free to use and can even save you up to an additional 20% if you add another vehicle to your policy. You could be paying as little as $19 a month for car insurance.
InsuredNation has already helped millions of people find affordable car insurance. See how much money you could save with a new policy.
4. 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.
5. 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.
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