Best Credit Card Debt Help

Balance Transfers

Individuals who still have a fair credit rating can apply for free balance transfers that allows these balances to be reduces significantly in many cases without additional interest. The best credit card debt help uses these 0% rate cards to reduce existing credit card debt while establishing a positive credit card spending record. New purchase balances should be paid in full monthly along with a substantial payment on the transferred balance. Many of these types of credit cards provide cardholder rewards including cash back, bonus points that can be redeemed for merchandise and gift cards.

• Capital One® Platinum Prestige Credit Card that has a toll free telephone number for people to call before they apply online, (866) 533-0808, 0% interest until November of 2011, no annual fees plus Fraud Liability if the card is lost or stolen, travel and roadside assistance.


• SlateSM from Chase offers 18 months 0% interest on balance transfers with their Slate with BlueprintSM card that lets people reduce transfer balances faster and this card offers unauthorized purchase insurance and has no annual fee.

Unsecured Credit Card Options

Unsecured credit cards may also be some of the best credit card debt help alternatives allowing people with not so perfect credit improve their overall credit rating. While these cards have high interest rates, they can establish a positive card payment history quickly. These cards have monthly and annual fees so be sure to check your monthly budget before applying.

HSBC Bank Nevada offers Orchard Bank® Classic MasterCard and Visa® Cards that report to all three credit bureaus monthly and these cards are accepted worldwide. Online accounts allow holders to check balances, make payments and can be set up so holders receive text messages to their cell phones to avoid late payments.

Orchard Bank® offers Visa® and MasterCard® options with variable interest rates, customer options based on credit worthiness and 24 hour a day online access plus customer support representatives to help prospective customers choose the right card to help reduce debt while improving credit ratings.

Secured Credit Card Options

Choosing secured credit card options may help reduce credit card debt faster as these cards have very limited balance limits and if a card with specific reward is chosen, then free merchandise, discounts on fuel at the pump and other incentives may help offset overall credit debt.

• MetaBank's AccountNow® Prepaid Visa® offers direct deposit card loading, zero activation fees, no credit check and guaranteed approval.


• Capital One®'s Reloadable Prepaid MasterCard® Also offers direct deposit loading, zero activation fees, direct bill pay options however not all applications are accepted.


• READYdebit® Visa Prepaid Card is designed to help restore good credit and features online bill payments, guaranteed approval, unlimited purchases and no overdraft fees or credit checks.

Developing a financial strategy when looking for the best credit card debt help is a way to reduce overall debt, improve credit scores and in some cases earn free merchandise or cash back.

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