how to clear credit card bill effectively?

haruhatsu SG

do u own credit cards? if u own any, do u own them debts? how to clear them asap with really effective method? need opinion…

FireIce SG

cut up all ur cards now
and be disciplined to set aside a fixed amount from ur salary every mth to repay

uaremyfayth SG

i prefer the debit card, i keep a credit card for emergencies only.
I guess the best for you would be to calculate how much u can set aside each month and if u have multiple cards, see which one clear first would result in lesser interests paid overall.

huiz SG

keep your credit cards at home, use cash to pay when outside.

allentyb SG

u use another credit card to pay for your existing credit card bill Laughing

haruhatsu SG

sometimes it said than easy…... set aside money like quite difficult as find to much spending or commitment. thinking of selling off my car but need to top up ard 8k like tat. i got the 8k, but dunno is it best to clear the cards or the car loan? most of my spending using c-cards actually on the car….....

rmyfrm SG

1000000000000000000000000000000% agreed >> best advice so far.

With regards to debt, only one thing to do ... pay it off. Your benchmark should never be how much interest you can pay off, but how much you can actually pay off.

kristovorus SG

where got such thing as effective way to clear credit card bill de. the only effective way is to not let it rollover. make sure that u spend within ur limit

caleb_chiang SG

x2 Laughing

or declare bankrupt then they can't add interest...

soulwinner SG

Spend with debit card..
credit card I never used unless there is a god reason.. Very Happy

the Bear SG

the companies have not gotten a cent from me in interest or subscriptions since i got cards Laughing

key: use them to pay for your other bills and stuff to earn points and freebies.. then pay the bill in FULL

citymax SG

yup, that shld be the way. work out the sum u able to spend for the month then spend wisely.