Consolidating credit card payments

Your insurance company won’t require you to make payments as long as the loan is less than the cash value of the policy, but it’s a good idea to make payments anyway.If you don’t repay the loan, then the death benefit will be used to cover what you borrowed and your survivors may not get anything at all.Instead, you're just moving it around in a way that makes it easier to pay.Shuffling debt could cost more money, take more time, or put your future at risk.You can transfer just one or two of your highest interest rate credit card balances to ease some of the debt pain.

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Understand the risks associated with your debt consolidation method.It's not worth it to consolidate debt and end up paying more.You can borrow against the equity in your home using a home equity loan or home equity line of credit and use the loan to pay off your credit card debt.That's if your credit card has a large enough credit limit.A low credit limit doesn't have to stop you from doing a balance transfer.

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