Credit Card Management

Even if you have vowed to never use your credit cards again, or have vowed to use them for emergencies only, unforeseen expenses happen all the time. The expenses add up and soon you find yourself back in debt, barely chipping away at your balance with heavy interest rates, payment protector plans, and finance charges making paying off those pesky credit card bills difficult. If you have multiple credit card balances, a credit card management program is what you need!

Do you have multiple credit card payments per month and need some sort of credit card management? First Consumer Debt Consolidation will work with you and your creditors to reach an agreement to provide the most beneficial repayment plan for you to begin consolidating your debts. Each client's needs vary and these credit counselors realize that and always study your financial situation to develop a credit card management program that will best serve you and your family's interest. The benefits of credit card management include:

- Reduce monthly payments by up to 50%
- One monthly payment instead of multiple credit card bills
- Improving credit by re-aging past due accounts
- Erasing late fees and finance charges
- Reduction and/or elimination of high interest rates

After enrolling in a credit card management program, a credit counselor will be assigned to your situation to help you consolidate your credit card debt. Your personal counselor will then begin negotiations with your creditors to reach an equitable agreement lowering or elimating high interest rates, re-aging past due accounts to reflect as up-to-date, and waiving late fees.