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My scores and cards are in my sig so if they help with a response please check them out =)
So in march of this year I had what I considered a family emergency that required me to take out a loan from a family member. It was to the tune of $6000, it was @ 0% until this december 2013(I think he had a balance transfer offer on his credit card and was kind enough to do this for me). The issue is now that we are already in october I have only managed to pay back $1500, bringing the total down to $4500. After taxes I bring home $2,500-3,000 a month, and with my other obligations like rent etc I am finding it hard to find any extra money to throw @ this debt. If it's not paid off by mid december it'll automaticlly accure 9 months worth of interest. I have a few ideas I'll list below, but what do you think I should do?
1. Get a loan to pay it off, (I have a personal loan out now with sprintleaf for $2500 @ 28%!)
2. Play around with my 0% APR on purchases to manufacture the money? (and leave pretty high almost maxed out balances for a few months?)
@KennyS2006 wrote:
R u a member of a credit union? Maybe join one and get a CC through them?
Can you afford to get another card that might possibly give you a higher limit that will also give you 0% for a certain number of months? Maybe citi simplicity?
GL! Wish I knew of a perfect solution to this. Maybe your bank that you bank with could give you a personal loan?
I'm a member of SFFCU, they seem nice but they are EX only (which is my worst score),
I'm sure I can get approved for 0% BT cards but dont know if I will get a high enough limit (even so if I do they will have to send me a BT check)
I bank with Chase but I havent even looked into their personal loans yet.
Thanks for the help though! That's some good ideas.