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I own a small design firm. My company was ready for business, but I lacked the money for purchasing professional equipment. I urgently needed the money, so I spent around HK$200,000 with my credit card. Aside from the debt stacking up for a long period, I was also charged a 3% handling fee on cash withdrawals on credit card on top of the interest payment. Even without using my credit card ever again, it would have taken me 238 months to settle the full amount with minimal monthly payment. As a start-up entrepreneur, I did not expect the repercussions, and the financial pressure grew quite heavy without sufficient funds in the beginning.
Heard about Promise's credit card repayment for a long time, with recommendation of my friend, I turned to Promise for their debt consolidation loan and that helped me clear my credit card debts easily. Promise held my case professionally. They tailor-made a credit card repayment plan for my accumulated debt according to my ability, their plan helped me settle the payment strategically and my loan interest payment amount was reduced. I also noticed that Promise's debt consolidation loan has an annual percentage rate of 1.12% at the lowest with HK$0 handling fee!
One of the benefits of applying Promise's debt consolidation loan is I can fully complete the application process online, quick and simple. Last but not least, my monthly payment amount was even lower than the previous minimum payment amount, and the time required for full settlement was shortened from 238 months to 57 months, which meant my total interest expense decreased drastically! With the help of Promise, I'm no longer bothered by settling my debt, my financial burden was eased, and I could focus on developing my business by using the saved money. The company is now operating stably, thanks to Promise.
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4 Steps for Card Debt Consolidation
Step 1 - Clarify the total amount of card debts
If you have multiple credit cards, understanding the number of credit card accounts in debt and the total amount of card debts could help to find out the most suitable method for repayment.
Step 2 - Understand the need for debt consolidation
Generally, if half of your total monthly income is going towards card debt repayment, or the high outstanding balances remain the same or even get higher, a card debt consolidation loan is needed to combine multiple credit card balances and help clear all card debts at once.
Step 3 - Choose a suitable debt consolidation plan
Debt consolidation loan is available at different financial institutions, it helps you pay off all of your existing credit card loans with reduced total interest payment amount and time when comparing settlement of minimum payment only. Monthly payment, total interest expense, annual percentage rate and repayment period should be considered when you are choosing the most suitable debt consolidation plan.
Step 4 - Settle the accumulated card debts in one go
After you have chosen and applied for the debt consolidation plans, the financial institution helps you consolidate all your card debts into one loan. All you need to do is repay for a selected repayment period on time every months, you can then clear a large amount of debts earlier with a lower repayment amount, interest expense and shorter repayment period.
If you are facing problem on paying off your credit card debts, you should solve the problem as soon as possible. Overdue in credit card payments may not only resulting in a huge amount of interest fee, but also a negative impact on personal credit score and personal development and life. Therefore, you should seek help promptly when there is a problem on paying off the credit card debts. Promise debt consolidated loan may help you clear your credit card bills and the impact of late payment in one go with low interest rate, reducing interest amount and penalty fee. Promise debt consolidation loan repayment period up to 84 months, you can make extra repayments which help you settle all debts earlier with no penalty fees. You can apply loan online 7x24 with online instant approval⦿ too.
Applying loan only with mobile number and ID card#. It has never been easier!
