Your balance is paid off and your spending is in check, so it's
not about credit card debt.
Not exact matches
Outstanding consumer
debt (medical, mortgage,
credit card, student, auto, etc.) in the U.S. is well over $ 2 trillion, so this isn't
about erasing all
debts, no matter how successful the jubilee is.
Personal loans tend to offer lower rates compared to
credit cards and the repayment terms are fixed, which means you won't have to worry
about the
debt lingering.
«Unlike the average American — wallowing in
credit -
card debt, clinging to a mortgage, terrified of the next downsizing at the office — he isn't worried
about the economic crisis.
Jessica @ Making Sense of Cents writes How I eliminated my
debt in less than 1 year — And I'm
not talking
about you cracking under the pressure of being frugal and racking up a bunch of
credit card debt after a blackout shopping spree at Nordstrom (though that very well could happen to you).
That
not only includes mortgages, it includes just
about any type of
debt that be made less expensive through refinancing, such as student loan
debt,
credit card debt and auto loan
debt.
A spokesperson for Cox said he was talking
about debt incurred by state and local governments,
not personal
debt like
credit cards or auto loans.
If you've suddenly found out that your partner is swimming in
credit card debt, don't jump on the offensive and make him or her feel badly
about financial decisions.
I'm sure you've heard many warnings
about the dangers of
credit card debt and that I don't need to drone on and on
about it.
Merely summarizing the plot doesn't do the book justice — it's far more gripping than you'd expect from a family drama
about the consequences of falling deeper and deeper into
credit card debt.
Of course, the best thing
about a secured
credit card is that your
debt settlement history likely doesn't count against you like it does with other
credit cards.
I think that because we're
not educated on how
debt and interest works, and we're
not brought up to talk
about our finances, we misuse our
credit cards.
Many are
not carrying
credit cards — a traditional method of building
credit — because their student loan
debt averages
about $ 35,000 and that's a hefty load already on their budding
credit reports.
They don't say anything
about car loans or
credit card debt.
The data also shows that you will eventually get around to applying for a
credit card,
not because you'll change your mind
about debt, which you try to avoid; but because you realize it's going to be difficult to get through life without one.
When your Lower Mainland
credit card debt is so high that it doesn't seem like your minimum payments pay down the balance, taking steps to get relief will reduce your stress, allowing you greater freedom to gain clarity
about where you're going and how you're going to get there.
Finance Charge — the fee you pay when you do
not pay off the entire
credit card debt within a single payment period, usually
about 25 - 28 days.
Those that do and don't have a
credit card were confident
about their ability to manage
debt.
If you want to avoid a similar situation, here are the 5 most important rules for using a
credit card responsibly: Rule # 1 — Pay your bill on time This sounds obvious,... [Read more...] about 5 Rules For Using Credit Cards And Not Getting Int
credit card responsibly: Rule # 1 — Pay your bill on time This sounds obvious,... [Read more...]
about 5 Rules For Using
Credit Cards And Not Getting Int
Credit Cards And
Not Getting Into
Debt
For example if you have $ 1000 in
credit card debt and a 15 % APR on the
card your
debt will double in
about 4.8 years (72/15 = 4.8) if you don't make any payments at all.
If there's some personal
debt you just can't shake, think
about transferring your balance to a
credit card with a lower interest rate.
While there are legitimate reasons to be cautious
about taking on
debt, you shouldn't automatically fear
credit card offers.
This type of
card is widely accepted, and the prepaid feature mimics the function of a debit
card so you don't have to worry
about going into
debt as you could with a traditional
credit card.
Secured
credit cards are reliable and you don't have to worry
about getting in
debt over them.
They do
not care
about savings and have a huge
credit card debt.
The same, unfortunately, can't be said
about other forms of
debt, especially
credit -
card debt.
Shortly after you have the first record
about the payment on your
card debt made on time you begin to receive offers to get the normal
credit cards which are
not provided with an advanced payment or deposit.
I especially appreciate has strong cautions before transferring any student
debt to a
credit card about paying attention to details, reading the fine print, and taking measures to assure you don't get burned by high
credit card interest rates after a transfer.
I wasn't really taught much
about credit cards and
debt; it was stuff I learned on my own through my own readings.
The rate of insolvency amongst seniors is going up but that's
not the most scary part, they've got the highest unsecured
debt of all age groups, over $ 64,000, they've got the highest
debt - to - income ratio of all age groups,
about 251 %, they have the most owing on
credit cards of all age groups.
Many people assume there's nothing they can do
about their
credit cards and other
debts but that's
not always true.
These
credit card companies are heartless I have been a customer with Chase for 18 years and they didn't even put a phone number on the letter they sent me, I felt like you are no use to us now so get lost.I worked hard to get out of
credit card debt and instead of being praised now you have to worry
about your
credit score with all these banks screwing you over.
Is this your situation: you have unpaid
credit card debt you can
not afford to pay; you have received, or are worried
about receiving a
credit card debt summons; and you think you can
not afford to pay an attorney?
ICFE DCCS ® Independent Study Guide Table of Contents Consumer Financial Protection Bureau to oversee
debt collectors Collection agencies and junk debt buyers - Mini-Miranda What to do if a debtor is contacted about past debts Sample cease and desist letter Fair Debt Collection Practices Act Summary from the CFPB Debt that is covered Debt Collectors that are covered Debt Collectors that are NOT covered Debt Collection for Active and Veteran Military Personnel Communications connected with debt collection When, where and with who communications is permitted Ceasing Communication with the consumer Communicating with third parties Validation of debts Prohibited Practices: Harassing or abusive Practices False or misleading representations Unfair Practices Multiple debts Legal Actions by debt collectors Furnishing certain deceptive forms Civil liability Defenses CFPB / FTC staff's commentary on the FDCPA Common debt collector violations How to document a collector's abusive behavior What to do if a collector breaks the law How collectors are trained - examples of collector training courses FDCPA Sample Exam from ACA for Collectors How collectors are using Social Medias in collections Dealing with creditors and third party collectors Other factors for a debtor in collection: Credit reports and scores Reviewing credit reports with debtors - Permissible uses Rules about credit decisions and notices Debtor education about credit reports and FICO scores Specialty Report Providers Rules to protect consumers in credit card debt How to read and understand credit reports How to make changes or dispute accuracy Freezing Credit Files FCRA / FACTA Provisions of ID Theft victims How credit scoring works The Credit Card Accountability and Disclosure Act Credit Rules CFPB rules establish strong protections for homeowners facing foreclosure Other Resou
debt collectors Collection agencies and junk
debt buyers - Mini-Miranda What to do if a debtor is contacted about past debts Sample cease and desist letter Fair Debt Collection Practices Act Summary from the CFPB Debt that is covered Debt Collectors that are covered Debt Collectors that are NOT covered Debt Collection for Active and Veteran Military Personnel Communications connected with debt collection When, where and with who communications is permitted Ceasing Communication with the consumer Communicating with third parties Validation of debts Prohibited Practices: Harassing or abusive Practices False or misleading representations Unfair Practices Multiple debts Legal Actions by debt collectors Furnishing certain deceptive forms Civil liability Defenses CFPB / FTC staff's commentary on the FDCPA Common debt collector violations How to document a collector's abusive behavior What to do if a collector breaks the law How collectors are trained - examples of collector training courses FDCPA Sample Exam from ACA for Collectors How collectors are using Social Medias in collections Dealing with creditors and third party collectors Other factors for a debtor in collection: Credit reports and scores Reviewing credit reports with debtors - Permissible uses Rules about credit decisions and notices Debtor education about credit reports and FICO scores Specialty Report Providers Rules to protect consumers in credit card debt How to read and understand credit reports How to make changes or dispute accuracy Freezing Credit Files FCRA / FACTA Provisions of ID Theft victims How credit scoring works The Credit Card Accountability and Disclosure Act Credit Rules CFPB rules establish strong protections for homeowners facing foreclosure Other Resou
debt buyers - Mini-Miranda What to do if a debtor is contacted
about past
debts Sample cease and desist letter Fair
Debt Collection Practices Act Summary from the CFPB Debt that is covered Debt Collectors that are covered Debt Collectors that are NOT covered Debt Collection for Active and Veteran Military Personnel Communications connected with debt collection When, where and with who communications is permitted Ceasing Communication with the consumer Communicating with third parties Validation of debts Prohibited Practices: Harassing or abusive Practices False or misleading representations Unfair Practices Multiple debts Legal Actions by debt collectors Furnishing certain deceptive forms Civil liability Defenses CFPB / FTC staff's commentary on the FDCPA Common debt collector violations How to document a collector's abusive behavior What to do if a collector breaks the law How collectors are trained - examples of collector training courses FDCPA Sample Exam from ACA for Collectors How collectors are using Social Medias in collections Dealing with creditors and third party collectors Other factors for a debtor in collection: Credit reports and scores Reviewing credit reports with debtors - Permissible uses Rules about credit decisions and notices Debtor education about credit reports and FICO scores Specialty Report Providers Rules to protect consumers in credit card debt How to read and understand credit reports How to make changes or dispute accuracy Freezing Credit Files FCRA / FACTA Provisions of ID Theft victims How credit scoring works The Credit Card Accountability and Disclosure Act Credit Rules CFPB rules establish strong protections for homeowners facing foreclosure Other Resou
Debt Collection Practices Act Summary from the CFPB
Debt that is covered Debt Collectors that are covered Debt Collectors that are NOT covered Debt Collection for Active and Veteran Military Personnel Communications connected with debt collection When, where and with who communications is permitted Ceasing Communication with the consumer Communicating with third parties Validation of debts Prohibited Practices: Harassing or abusive Practices False or misleading representations Unfair Practices Multiple debts Legal Actions by debt collectors Furnishing certain deceptive forms Civil liability Defenses CFPB / FTC staff's commentary on the FDCPA Common debt collector violations How to document a collector's abusive behavior What to do if a collector breaks the law How collectors are trained - examples of collector training courses FDCPA Sample Exam from ACA for Collectors How collectors are using Social Medias in collections Dealing with creditors and third party collectors Other factors for a debtor in collection: Credit reports and scores Reviewing credit reports with debtors - Permissible uses Rules about credit decisions and notices Debtor education about credit reports and FICO scores Specialty Report Providers Rules to protect consumers in credit card debt How to read and understand credit reports How to make changes or dispute accuracy Freezing Credit Files FCRA / FACTA Provisions of ID Theft victims How credit scoring works The Credit Card Accountability and Disclosure Act Credit Rules CFPB rules establish strong protections for homeowners facing foreclosure Other Resou
Debt that is covered
Debt Collectors that are covered Debt Collectors that are NOT covered Debt Collection for Active and Veteran Military Personnel Communications connected with debt collection When, where and with who communications is permitted Ceasing Communication with the consumer Communicating with third parties Validation of debts Prohibited Practices: Harassing or abusive Practices False or misleading representations Unfair Practices Multiple debts Legal Actions by debt collectors Furnishing certain deceptive forms Civil liability Defenses CFPB / FTC staff's commentary on the FDCPA Common debt collector violations How to document a collector's abusive behavior What to do if a collector breaks the law How collectors are trained - examples of collector training courses FDCPA Sample Exam from ACA for Collectors How collectors are using Social Medias in collections Dealing with creditors and third party collectors Other factors for a debtor in collection: Credit reports and scores Reviewing credit reports with debtors - Permissible uses Rules about credit decisions and notices Debtor education about credit reports and FICO scores Specialty Report Providers Rules to protect consumers in credit card debt How to read and understand credit reports How to make changes or dispute accuracy Freezing Credit Files FCRA / FACTA Provisions of ID Theft victims How credit scoring works The Credit Card Accountability and Disclosure Act Credit Rules CFPB rules establish strong protections for homeowners facing foreclosure Other Resou
Debt Collectors that are covered
Debt Collectors that are NOT covered Debt Collection for Active and Veteran Military Personnel Communications connected with debt collection When, where and with who communications is permitted Ceasing Communication with the consumer Communicating with third parties Validation of debts Prohibited Practices: Harassing or abusive Practices False or misleading representations Unfair Practices Multiple debts Legal Actions by debt collectors Furnishing certain deceptive forms Civil liability Defenses CFPB / FTC staff's commentary on the FDCPA Common debt collector violations How to document a collector's abusive behavior What to do if a collector breaks the law How collectors are trained - examples of collector training courses FDCPA Sample Exam from ACA for Collectors How collectors are using Social Medias in collections Dealing with creditors and third party collectors Other factors for a debtor in collection: Credit reports and scores Reviewing credit reports with debtors - Permissible uses Rules about credit decisions and notices Debtor education about credit reports and FICO scores Specialty Report Providers Rules to protect consumers in credit card debt How to read and understand credit reports How to make changes or dispute accuracy Freezing Credit Files FCRA / FACTA Provisions of ID Theft victims How credit scoring works The Credit Card Accountability and Disclosure Act Credit Rules CFPB rules establish strong protections for homeowners facing foreclosure Other Resou
Debt Collectors that are
NOT covered
Debt Collection for Active and Veteran Military Personnel Communications connected with debt collection When, where and with who communications is permitted Ceasing Communication with the consumer Communicating with third parties Validation of debts Prohibited Practices: Harassing or abusive Practices False or misleading representations Unfair Practices Multiple debts Legal Actions by debt collectors Furnishing certain deceptive forms Civil liability Defenses CFPB / FTC staff's commentary on the FDCPA Common debt collector violations How to document a collector's abusive behavior What to do if a collector breaks the law How collectors are trained - examples of collector training courses FDCPA Sample Exam from ACA for Collectors How collectors are using Social Medias in collections Dealing with creditors and third party collectors Other factors for a debtor in collection: Credit reports and scores Reviewing credit reports with debtors - Permissible uses Rules about credit decisions and notices Debtor education about credit reports and FICO scores Specialty Report Providers Rules to protect consumers in credit card debt How to read and understand credit reports How to make changes or dispute accuracy Freezing Credit Files FCRA / FACTA Provisions of ID Theft victims How credit scoring works The Credit Card Accountability and Disclosure Act Credit Rules CFPB rules establish strong protections for homeowners facing foreclosure Other Resou
Debt Collection for Active and Veteran Military Personnel Communications connected with
debt collection When, where and with who communications is permitted Ceasing Communication with the consumer Communicating with third parties Validation of debts Prohibited Practices: Harassing or abusive Practices False or misleading representations Unfair Practices Multiple debts Legal Actions by debt collectors Furnishing certain deceptive forms Civil liability Defenses CFPB / FTC staff's commentary on the FDCPA Common debt collector violations How to document a collector's abusive behavior What to do if a collector breaks the law How collectors are trained - examples of collector training courses FDCPA Sample Exam from ACA for Collectors How collectors are using Social Medias in collections Dealing with creditors and third party collectors Other factors for a debtor in collection: Credit reports and scores Reviewing credit reports with debtors - Permissible uses Rules about credit decisions and notices Debtor education about credit reports and FICO scores Specialty Report Providers Rules to protect consumers in credit card debt How to read and understand credit reports How to make changes or dispute accuracy Freezing Credit Files FCRA / FACTA Provisions of ID Theft victims How credit scoring works The Credit Card Accountability and Disclosure Act Credit Rules CFPB rules establish strong protections for homeowners facing foreclosure Other Resou
debt collection When, where and with who communications is permitted Ceasing Communication with the consumer Communicating with third parties Validation of
debts Prohibited Practices: Harassing or abusive Practices False or misleading representations Unfair Practices Multiple
debts Legal Actions by
debt collectors Furnishing certain deceptive forms Civil liability Defenses CFPB / FTC staff's commentary on the FDCPA Common debt collector violations How to document a collector's abusive behavior What to do if a collector breaks the law How collectors are trained - examples of collector training courses FDCPA Sample Exam from ACA for Collectors How collectors are using Social Medias in collections Dealing with creditors and third party collectors Other factors for a debtor in collection: Credit reports and scores Reviewing credit reports with debtors - Permissible uses Rules about credit decisions and notices Debtor education about credit reports and FICO scores Specialty Report Providers Rules to protect consumers in credit card debt How to read and understand credit reports How to make changes or dispute accuracy Freezing Credit Files FCRA / FACTA Provisions of ID Theft victims How credit scoring works The Credit Card Accountability and Disclosure Act Credit Rules CFPB rules establish strong protections for homeowners facing foreclosure Other Resou
debt collectors Furnishing certain deceptive forms Civil liability Defenses CFPB / FTC staff's commentary on the FDCPA Common
debt collector violations How to document a collector's abusive behavior What to do if a collector breaks the law How collectors are trained - examples of collector training courses FDCPA Sample Exam from ACA for Collectors How collectors are using Social Medias in collections Dealing with creditors and third party collectors Other factors for a debtor in collection: Credit reports and scores Reviewing credit reports with debtors - Permissible uses Rules about credit decisions and notices Debtor education about credit reports and FICO scores Specialty Report Providers Rules to protect consumers in credit card debt How to read and understand credit reports How to make changes or dispute accuracy Freezing Credit Files FCRA / FACTA Provisions of ID Theft victims How credit scoring works The Credit Card Accountability and Disclosure Act Credit Rules CFPB rules establish strong protections for homeowners facing foreclosure Other Resou
debt collector violations How to document a collector's abusive behavior What to do if a collector breaks the law How collectors are trained - examples of collector training courses FDCPA Sample Exam from ACA for Collectors How collectors are using Social Medias in collections Dealing with creditors and third party collectors Other factors for a debtor in collection:
Credit reports and scores Reviewing credit reports with debtors - Permissible uses Rules about credit decisions and notices Debtor education about credit reports and FICO scores Specialty Report Providers Rules to protect consumers in credit card debt How to read and understand credit reports How to make changes or dispute accuracy Freezing Credit Files FCRA / FACTA Provisions of ID Theft victims How credit scoring works The Credit Card Accountability and Disclosure Act Credit Rules CFPB rules establish strong protections for homeowners facing foreclosure Other Res
Credit reports and scores Reviewing
credit reports with debtors - Permissible uses Rules about credit decisions and notices Debtor education about credit reports and FICO scores Specialty Report Providers Rules to protect consumers in credit card debt How to read and understand credit reports How to make changes or dispute accuracy Freezing Credit Files FCRA / FACTA Provisions of ID Theft victims How credit scoring works The Credit Card Accountability and Disclosure Act Credit Rules CFPB rules establish strong protections for homeowners facing foreclosure Other Res
credit reports with debtors - Permissible uses Rules
about credit decisions and notices Debtor education about credit reports and FICO scores Specialty Report Providers Rules to protect consumers in credit card debt How to read and understand credit reports How to make changes or dispute accuracy Freezing Credit Files FCRA / FACTA Provisions of ID Theft victims How credit scoring works The Credit Card Accountability and Disclosure Act Credit Rules CFPB rules establish strong protections for homeowners facing foreclosure Other Res
credit decisions and notices Debtor education
about credit reports and FICO scores Specialty Report Providers Rules to protect consumers in credit card debt How to read and understand credit reports How to make changes or dispute accuracy Freezing Credit Files FCRA / FACTA Provisions of ID Theft victims How credit scoring works The Credit Card Accountability and Disclosure Act Credit Rules CFPB rules establish strong protections for homeowners facing foreclosure Other Res
credit reports and FICO scores Specialty Report Providers Rules to protect consumers in
credit card debt How to read and understand credit reports How to make changes or dispute accuracy Freezing Credit Files FCRA / FACTA Provisions of ID Theft victims How credit scoring works The Credit Card Accountability and Disclosure Act Credit Rules CFPB rules establish strong protections for homeowners facing foreclosure Other Res
credit card debt How to read and understand credit reports How to make changes or dispute accuracy Freezing Credit Files FCRA / FACTA Provisions of ID Theft victims How credit scoring works The Credit Card Accountability and Disclosure Act Credit Rules CFPB rules establish strong protections for homeowners facing foreclosure Other Resou
card debt How to read and understand credit reports How to make changes or dispute accuracy Freezing Credit Files FCRA / FACTA Provisions of ID Theft victims How credit scoring works The Credit Card Accountability and Disclosure Act Credit Rules CFPB rules establish strong protections for homeowners facing foreclosure Other Resou
debt How to read and understand
credit reports How to make changes or dispute accuracy Freezing Credit Files FCRA / FACTA Provisions of ID Theft victims How credit scoring works The Credit Card Accountability and Disclosure Act Credit Rules CFPB rules establish strong protections for homeowners facing foreclosure Other Res
credit reports How to make changes or dispute accuracy Freezing
Credit Files FCRA / FACTA Provisions of ID Theft victims How credit scoring works The Credit Card Accountability and Disclosure Act Credit Rules CFPB rules establish strong protections for homeowners facing foreclosure Other Res
Credit Files FCRA / FACTA Provisions of ID Theft victims How
credit scoring works The Credit Card Accountability and Disclosure Act Credit Rules CFPB rules establish strong protections for homeowners facing foreclosure Other Res
credit scoring works The
Credit Card Accountability and Disclosure Act Credit Rules CFPB rules establish strong protections for homeowners facing foreclosure Other Res
Credit Card Accountability and Disclosure Act Credit Rules CFPB rules establish strong protections for homeowners facing foreclosure Other Resou
Card Accountability and Disclosure Act
Credit Rules CFPB rules establish strong protections for homeowners facing foreclosure Other Res
Credit Rules CFPB rules establish strong protections for homeowners facing foreclosure Other Resources
There are 2 legitimate channels to use if you're in over your head with
credit card debt: The National Foundation for Credit Counseling at NFCC.org and the option of bankruptcy, which can be right in some situations, though you don't often hear me talk about the latte
credit card debt: The National Foundation for
Credit Counseling at NFCC.org and the option of bankruptcy, which can be right in some situations, though you don't often hear me talk about the latte
Credit Counseling at NFCC.org and the option of bankruptcy, which can be right in some situations, though you don't often hear me talk
about the latter one.
When you are
about to refinance, it is probably
not the time to go out and finance a new car or take on $ 10,000 of
credit card debt for new furniture.
So even if you have been extremely careful
about not running up your
credit card debt, there's no guarantee that your spouse has been as frugal.
You shouldn't care
about the rate, it's an irrelevant number (unless you're going to accumulate
credit card debt, but then again, you seem to be smarter than that), features you will be getting a bit later (although after 1 year you might start getting offers for decent cash - back
cards).
As I recently wrote
about, it's
not just
credit card borrowers who enjoy the benefits of hiring a
debt settlement lawyer, but student loan borrowers as well.
Paying down
credit card debt isn't just
about finding the right financial tool or picking the best strategy or getting a cheap loan.
The other major problem with this is that most people who refinance their homes to pay off
credit card debt don't tend to learn anything
about living within their means: They end up owing more on their home, and they usually go right back to racking up
credit card debt: After just 18 to 24 months, many end up owing the same amount again on
credit cards.
In the madness, it's important
not to forget
about other sources of
debt —
credit cards, car payments, mortgages.
I am
about 20,000 Dalars in
debt I have a student loan for 1500 on one and
about 7500 hundred on the other one, I am savirley behind on my day to day bills I am now at the point of company's are passing me as a client around so I'm now getting charged by every company in town, I have a new baby due at the end of the month And I do
not want to be in
debt for the rest of my life, I also have moltaple payday loans owing, and I have a
credit card that shouldn't have gone wrong its sitting
about 580.00 it's starting to get really frusterating when I can't pay it all off plus
not to mention I have a few collections in mobile companies, Rogers and Telus very frusterating -.
If you're already worried
about having enough money to continue living comfortably and staying independent for as long as possible,
debt from
credit cards, medical bills, and unsecured loans may feel like a burden you just can't afford to face.
My wife and I have around 6000 $ in
credit card,
not including car payment that we only owe
about 1200 on now with 250 $ payments and I have a school loan of
about 2500 $ in all including interest that I just went into forbearance with and got a new payment schedule set up to eliminate the late fees and tey to clean up my
credit score.We considering
debt consolidation but aren't exactly sure if it's a right fit.Our end game is to be able to buy a house in the next year or so.Would a loan for
debt consolidation be a good idea for us?
When the
debt - free drift off to sleep, they're
not worried
about credit card balance shuffling, how to delay payments to the very last second, or if their car might get repossessed in the dark of night.
Date Received: 2018-03-14T00:00:00 Product:
Credit card debt Issue: Written notification
about debt Consumer Consent Provided to Share Complaint: Consent provided Consumer Complaint: My wife and I had a
debt from 2011 which we do
not dispute.
While there are various vehicles of
debt consolidation —
credit cards, unsecured personal loans, home equity lines of
credit — all you really need to know
about the effects of consolidation on
credit utilization, which comprises almost 30 percent of your score, is that revolving accounts (
cards and some home equity lines) are included in these calculations while installment accounts (loans), for the most part, are
not.
If a
debt collector contacts you
about a personal loan,
credit card, or home loan for a residential property (your home or investment property), you may be able to apply to change your repayment plan on the basis of hardship if a court judgement has
not yet been made.
Read all
about what you can do with these
cards, even if you aren't struggling with
credit card debt.