Are Holiday Bills Staring You in the Face?!
Running up the balance on your credit cards or store accounts during the holidays is all too easy to do. Here are some good ways to pay them off at a lower rate or longer term, or both. The goal is to cut your overall monthly payment and leave you with more money at the end of the month!
With a rate as low as 9.99% APR,* our card is a good way to pay off those other guys’ higher rate cards. This is the card of choice for Teamsters! There’s no annual fee, it has a 25-day grace period,* and you get the same rate for purchases and cash advances.
*Annual Percentage Rate as of 1-1-18. Actual rate is determined by your credit qualifications. Grace period is 25 days when you pay off your balance in full in both current and previous billing periods. No grace period for cash advances, including balance transfers.
Signature Loan & Personal Line of Credit
Your good credit secures either a lump sum of cash or an ongoing credit line you can use when needed. The rate is lower than most credit card rates.
Home Equity Loan or Line of Credit
The equity in your home secures either a lump sum of cash or an ongoing credit line you can use when needed. The rate is lower than with other types of loans, and longer terms keep payments smaller. Also, the interest is usually tax deductible! (Check with your tax advisor.)
So what’s your best move? Just call Gail or Christie at 503-251-2390 or 800-547-7657. They’ll be happy to run the numbers for you!