Should I Move Credit Card Debt To A Personal Loan?
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- čas přidán 25. 08. 2024
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The problem is, many people who consolidate credit card loans into personal loans end up filling the credit cards again. Now you have double the trouble.
I've posted elsewhere in the threads; this was young & dumb me back in the day.
That happens but the key is definitely to close all cards if you plan on doing that
I used another credit card with 0% interest (there was a promo) to consolidate mine and got out of debt. If you have discipline, it's no problem
SmoothJK exactly what happened to us. 10 years ago that’s exactly what we did. then we were in double debt. never again. we are debt free and never looking back
And then make minimum monthly payments on the consolidated loan and feel like they are winning
I took a loan out for debt consolidation and honestly it one of the best things I did. But I get what Dave is saying and I do agree. Basically yes, taking out a personal loan is not a bad idea. Especially if you will have a better interest rate and save some money. However they key is just to make sure you are smart about it. have the mentality that you still have a lot of debt. Basically have discipline.
Thank you
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If you don't correct the behavior that caused the debt, you'll just have the personal loan plus more credit card debt. Been there.
Wish I could like this comment more than once. I have done this on more than one occasion because I was dumb! I have since cut up cards and only pay in cash!
Same
I feel like dave has missed a big point on why consolidation is great. Consolidation gives you a structured payment plan, you HAVE to make that payment (most banks direct debit it), where as credit is whenever you want to pay it. The number one rule is cancelling your credit card if you consolidate so you cant use it.
The other pro is you now have a fixed payment on a fixed term, so if you live by budgeting its a lot easier to say i need to budget this fixed amount every month than "hmm maybe ill pay this amount off this month". So if you dont have the mindset to pay your credit off, the consolidation is actually great, because you never have to think about it.
You make more sense, thanks
thank you for this. I was hoping to hear more concrete reasons such as yours in this video, yet Ramsey is giving more of an "all the answers are within" type of response which although I understand that rhetoric, but still when it comes to finances, I prefer more of a tangible and laid out response.
This is hitting the nail right on the head! Thank you for pointing this out! This is what I have done and I can breathe again.
Dave focuses on the mental impact and creating good habits. He never said not to do this. In fact he said she could because she could save money in the long run. Dave understands that people get in trouble because of bad habits and his methods focus on the financial habits.
I feel like if you are actually, "passed off," about your debt, you wouldn't be mindless about it. Stressing about something and being mindful, so that you actually do something about it is, more so where Dave is coming from.
Dave should market his own brand of 'Rice and Beans', sell it st the dollar store 😁
Dave Ramsey "rice and beans" the beans that will make you a millionaire 🍛🍛🍛!!!
"Papa Dave's Rice & Beans!"
Uncle Dave's Beans n Rice ®
Haha
rice and beans costs less than a dollar, way less
Thank you , not sure if you will read this but ever since I was 16 I've been watching these videos , and it has helped me understand the importance of saving for the future, and sacrificing now for the future.
Glad to say that I'm now 17 with over 5k saved
Love from the UK
wow, thats amazing!
Nice
Thanks to everyone who posted * jamesal27* on telegram, just received my credit card from him thanks man
Amazing keep it up
The average credit card rate is 17% so it would not only reduce the amount that has to be paid back but if they still maintain the same payment or make a higher payment it will also reduce the amount of time it will take to pay off which to me is a good move. Just don't turn around and start spending money on the credit card.
Smart
Facts
2023, Average rate is 29.99%. For the history books.
Consolidation is good because it cleans up the logistics of paying only one company, and a lower interest rate slows (not stops) the bleeding. I've heard to many people though try to consolidate themselves out of debt without addressing the base issue they are spending addicts. It's fine that save as long as you make real progress on the debt load.
Doing it Dave's way has taught me so much since I started my debt payoff in Oct '19. I'm 45 and I finally feel like a responsible adult. Hiccups anxiety and U-turns are part of the learning process. Thanks so much Dave. Much love😇💞
Thanks to everyone who posted * jamesal27* on telegram, just received my credit card from him thanks man
What an amazing video ramsey, love it. I also know another company that grants up to 10k. Very reasonable interest rates too.
Oh that's interesting , please could you share the name of the company ?
Oh please what company is that, thanks
Thanks a lot for sharing franca !
I am happy to help :)
The sad thing is, saving $1000 on a $10,000 debt would be incredible, but the mentality that created that $10,000 in debt will view that $1000 in savings as a reason to spend another $2000!
Not necessarily. They obviously want to try to change their behavior. Sourpuss 😒
True ... and paying it slower since you have a lower interest and might even take twice as long ... it’s the mental part of I had 17% and I need to pay faster than I have 5 % now so I don’t see need to pay faster. If smart it can be done but you can be like me who i have been listening to Dave and I thought I was smart holding on to credit cards only till I had emergency and used it and now I am back to paying credit card debt .
Actually, despite the 2 replies that were rude, I have seen and even had a friend do this. They transfer their debt to a personal loan, then they rebuild their debt on their credit card. So instead of just credit card debt, they now have credit card and a personal loan. I used to work in a bank - it’s quite common for this occur. As a lot of people seem to miss the biggest point Dave makes - the secret sauce is the person to change their behaviour. Let’s face it - it’s hard to change, whether it’s finances, health, attitude, studying and so fourth. I agree with your comment as I seen it in action.
@@lee-annestevenson8766 20 years ago Olestra was created, it was an oil without some problems of regular oil, so people would buy it and pound their mouths full of Olestra chips. They got sick because they ate like pigs, whiled "Muh Olestra diarrhea!" and the product disappeared. This reminds me of thus financual situation.
Deeply happy I come across this trustworthy vendor been a second time of getting CC from him *easyhacker137*
On telegram much love I have for you 💯✅
"You are the meat, the pickles, the onions and the bread. You are the hamburger."
Who else just got hungry?
Not unless you are debt free or work there!
Think Money i want a burger from five guys now 😂😂
Think Money omg yes 🤣🤣
I need a shirt that says this...
Thanks to everyone who posted * jamesal27* on telegram, just received my credit card from him thanks man
I would, shoot why not if you can get a low interest rate. But it’ll take more discipline because the credit card is now at a 0 balance which can be tempting to charge something.
Not if you close the account. Once you're completely debt free and disciplined with your money (not the bank's money), a credit card isn't a bad thing to have or to use.
90% of my friends and family consolidate and not long after the credit cards are maxed again plus a consolidation loan. Shaking My Head!
I did exactly that back in my young & dumb days. Finally the husband had to bail me out of debt jail, then cut up my credit cards. It took over 20 years for him to trust me for another credit card. Good thing is I got so used to debit cards that I don't overspend or make frivolous purchases; my credit cards get paid in full every month.
Deeply happy I come across this trustworthy vendor been a second time of getting CC from him *easyhacker137*
On telegram much love I have for you 💯✅
that's what I did a few years ago. it's so tempting to do when you see a zero balance.
Right, so it sounds like the consolidation was just a get of of jail free card.
That's their fault, not the consolidation.
Like he said it's fine, just make sure it gets fixed.
I had credit card debt from medical bills and my paramedic school tuition. I was paying around $200 a month in interest @ 22%. A personal loan at 8% through my credit union was an awesome decision. I have an end in sight, I pay about $50 a month in interest therefore paying it down faster. I closed out the credit card. Sure it would have been smarter to not have credit card debt but I see no problem with paying less to a bank in interest.
,,, I use that system all the time. I use it for business. You can see the light at the end of the tunnel with the fixed loan as you already know your fixed interest rate BUT you should keep your Credit Card / Tradelines.....
@@joeishere500 not if she is going to use the card for money she doesn't actually have in the bank. If she charges 200 to the card and doesn't pay it off in full, the interest rate is still the same on the card (high). Now she has a credit card bill to pay and a bank loan to pay. *only charge to credit cards what you have actual money in the bank for. Example you get your paycheck and 50 of it is for gasoline, it's okay to use the credit card to buy gas because u have the money but only to the amount of 50. Then u send that money from your bank acct to the credit card company and they reward you 5cents for doing so.*😉😁😂
@@Sexy40baby1 ,. Being that I do Mortgages its good to keep Active Tradelines.... Theres a reason we need Credit ...Theres many different ways we use our Credit
@@joeishere500 I'm aware of that. Someone needs to explain to folks exactly how to use those trade lines (credit cards). We don't have to be paying interest to card companies. If anyone is going to use it and it puts them in bad financial situation (wages garnished, bankruptcies), well then they may want to reevaluate their income. Knowledge is what's important here. We don't have that knowledge. I know how to properly use credit cards
Mz Tweety, I do this all the time. I put expensive things on the credit card and transfer the money the same day. I don't even wait for the statement. I rack up points and get more consumer protections that way.
If you've decided to make the SMART decision to stop using debt and start paying it off, why not make another SMART decision and pay off less? Right?
Yes he says as much at the end.
My credit cards interest rates were all over the place even though I paid on time for years. Got a personal loan at 10% n consolidated best decision ever.
how long did it take you to pay the loan
That's because u paid on time. You have to pay in full. If you charge 800 to the card, you pay 800 back then boom...no interest charges. *if you say well I didnt have the money to pay back. That is the problem. You should only use cards for what you have actual money for
666dynomax I took out a $23,000 loan at 10%. My highest credit card rate was over 20%. I have a 3.5 year loan. I just went through year one. My plan is to pay it off in another year. Bad news I was dumb but the good news is I’m wiser. 🤷🏾♀️
Mz Tweety exactly. This is why I follow this show. I hate my debt n now ready to attack it. I’m assuming U too cause ur on this feed🤷🏾♀️
@@Mrsmetamorphosis2012 I'm debt free actually. I follow this channel for inspiration to keep from going back into debt. I'm more knowledable of what to do and not to do
You are your biggest asset.
Lower the interest rate sure but, interests rates aren’t the main problem America should focus on when investing small amounts of money or paying off debt.
Just get cracking.
Spending like I’m in Congress. Lol.
Credit card debt is so bad. I feel bad for the people trying to get out of it. Anyone out there with it, keep pushing to reach your finance goals. Make 2020 your year.
Any kind of debt is a bad feeling... but credit cards are the worst... it's like 17% interest.... I paid off mine and I am almost done with my auto loan... just got to work hard and save
leadnsteel yea it’s crazy..
Reading this on the other side of a pandemic is surreal.
Refinance and save that $1000!!! Every penny helps to knock out debt!!
Thank You Dave . . . For Everything. 🙏🏼
If you are responsible enough i dont see any problem getting a personal loan to consolidate and help save on interest. Some people never get ahead cuz they can only afford to pay the minimum payments.
Hey, I give you a thumbs up for being on the road and making a plan to get financially sound! As far as I am concerned converting CC debit to a personal loan is a good option. Step by step you will reach your goal !!!! Good job!
Ithaca Comments *I can’t believe this, vyke666 on Insta fund my credit card 💳 for free*
I needed to hear this🙌🏽between Dave’s approval and the comments consolidation seems like the best path to organize and manage and stop using credit cards which is my goal. I was skeptical but I think it will be the best choice at this moment
Excellent response! He said exactly what I was thinking... I too have done this and it ultimately works but only if you stick to the plan and stay disciplined. Like he said the overall solution is YOU. However, it does save you a small percentage of money that would normally be thrown away with the interest rate being higher so why not keep it. In the end it's worth it.
Dave is such a great role model. I dont agree with everything he says (for example 14% in a mutual fund is unheard of, you need a credit score to buy a house)... but the man has kept me grounded. Live within your means. Pursue your dreams by being responsible. Good stuff.
You don't need a credit score to buy a house.
He's explained how and why you don't need a credit score to buy a house.
I got a lower interest rate and still make double and triple payments to pay it off faster. Agreed you have to hammer at it the same way! Living on beans and rice😊 but if you’re just trying to lower interest rate and not going to hammer away at it don’t get it!!! Thank you for your advice.
And you have to make sure but you are not trading an unsecured loan with a secured loan. Sometimes the lower rate is basically the bank getting a guarantee to take your stuff and you because you're nitpicking over $600 instead of changing your lifestyle and paying off probably $600 every paycheck are willing to risk your house your cars or whatever
I was thinking about doing this and I thought "What would Dave do!?" Like always thank you dave you're the man!
This solved my debt crisis. I changed my spending and my debt was gone
@plugcarding12cc thanks for his support, I got my card telegram?? Yes
I had credit card debt from 5 years ago. My two credit cards were both at 22% APR. It seems like I was always paying a lot and basically not making a dent on it. I recently took out a personal loan at 7% and I actually feel like I’m making progress. I have steady i come. I’ve been eating out once a month. Buy groceries and being smart with my money now. I’m on track to pay everything off by next year.
Where did you get that 7% from?
@@shamil454exactly probably 2 year 3 year loan but paying same amount
How much loan did you take out to get such a low interest rate?
@@nicoleluxe5253 yeah 7 percent i wonder what company and loan term nobody giving out 7 percent unless the loan for 2 year short term the lowest i got for a 5 year was 15 percent i was paying 22 percent for a old 2 year debt
Thought he would say no. Because if you paid off the credit card debt with the loan. You now have a zero balance on those credit cards which in turn allows you to spend more plus have the loan. That's just my two cents though.
Yeah you have to cancel credit cards immediately if you consolidate or this does tend to happen.
Some banks will let you cancel/place a hold on the card and just let you pay it off too, to avoid re-using the card, or lowering the limit every time you pay some of it off.
In simple terms: If you don't change the amount you are paying over the minimum amount due, you're not going to get the payoff done no faster than a few weeks...eh maybe a month.
You can also get another credit card with an intro Zero APR and then carry the balance. You wont be paying interest at all and then tackle the debt seriously there.
Victor Espiritu *I can’t believe this, vyke666 on Insta fund my credit card 💳 for free*
True, but people who are in serious credit card debt may not qualify for a zero interest card. Even if they did it may not be able to carry a significant enough of a balance to be worthwhile.
I love how this guys answer to every question is: *"you suck. Stop spending money."*
He must be an avid golfer to be wearing a "Torrey Pines" shirt.
This is honestly exactly what I needed to hear. Thank you so much.
@plugcarding12cc thanks for his support, I got my card telegram?? Yes
Mr. Ramsey, you failed to answer the original question. What are the benefits of moving to a "personal loan" INSTEAD of having "credit card debt"? For instance, impact to credit score, etc.
It took them 48 seconds to realize loan was spelt wrong
Brandon Gough haha
@plugcarding12cc thanks for his support, I got my card telegram?? Yes
Dave thank you for this advice...I have been seeing all these adds for consolidation loans and was really considering it, but I think I just need to get serious of living without wants and only spending on the actual necessities (food, gas, basic hygiene products)
@plugcarding12cc thanks for his support, I got my card telegram?? Yes
The vultures are out right now , preying on people's uncertainty, thanks for putting it into perspective Dave.
I never know whether to trust Dave or not, something about his voice sounds like he’s trying to hypnotize us, there’s something “far too friendly” about the way he talks
Only loan I like is for rental properties to bring in cash moneyyy lol
Myles Russell I agree with you Myles it’s all about that passive income. The tenants will pay for the loan
Same lol, I’m trying to get a couple properties pretty soon myself!
I’m new in this kind of business any idea with books or something else to start?
@@stevegarcia1722 you are both right, its like playing monopoly in real life!
Facts, rental properties are the move.
Hi Dave Ramsey: Over 40 years, Andrew Yang’s “Freedom Dividend” would give more than one million dollars minus “value added tax” to couples. The Freedom Dividend increases over time. Put the money in our hands!
The “bottom 94%” would benefit from a net gain of Freedom Divided minus the “Value Added Tax”. The “top 6%” would benefit from living in a more equitable society. The “top 6%” have family members, friends and colleagues that would benefit from the net gain.
William Kim *I can’t believe this, vyke666 on Insta fund my credit card 💳 for free*
That was as clear as mud.
I am the hamburger, the chicken sandwich, and the meat lovers pizza.
So yes but no?
Yo man your analogies motivated me I have this situation I'm in , being dead broke. I know I can make it on beans and rice because I've done it all my life!
I can see both sides, but Dave always has great advice and wisdom none the less.
Oddly enough, in some areas of the world they have negative interest rates, so maybe SOMEONE out there can borrow their way out of debt?
scorpiomaj27 *I can’t believe this, vyke666 on Insta fund my credit card 💳 for free*
I have 30k of cc debt combined. I plan on trying to get a 30k personal loan to pay the cc debt. I have $1,500 to through at the personal loan a month. I have been living on beans and rice for the past year trying to pay my cc debt, but the interest rate is whats killing me.
I now have the discipline to follow the plan and not get myself into abymore debt, just want somw opinions.
With the new FICO 10, I wouldn't do this. Just pay off your cards.
Thanks! I needed this
my cc is 28 percent changed to personal 17 percent. huge difference
We want some rice and beans teeshirts Dave!
dude! YES!!!
you did do something! if living off beans and rice makes a difference then saving several hundreds or 1000s of wasted interest is too. i cant listen to ramsey very often bc of this type of response
Such a great message thank you for this. 🙏
What in midwestern tarnation did y’all’s just says ? No seriously, I understood 10% of what he said.
When the drive thru speaker asks what I would like to order..."I am the hamburger"😎
@plugcarding12cc thanks for his support, I got my card telegram?? Yes
@cardingmanager....telegram he is the only real vendor
I did that and ended up racking up more debt on my cards I paid off 😭 plus I ended up adding a high interest rate loan adding thousands to my debt. I probably was better off just paying off what I had without getting a loan. But only thing it did help me with is moving to a new city.
That's you're fault, control the spending
Its like putting a small bandaid on a bullet wound.
Depends on the situation. If you're credit card interest rate is 24% apr and you can get a loan at 7% apr, you can throw more money at the principal instead of just the interest. Also, a loan isn't revolving credit. That means that if you make your regular payments, it'll all be over after about 3 years (depending on the terms of the loan). If you pay the minimum due on a credit card, you might be paying on it for 15 years before it's gone.
We all know the person has to change there spending habits.
Beans and rice rice and beans. 😹 every time
So I have a question should i get a credit card just to get credit I have no credit and everyone is tell me to get one and start building up my credit do I really need to get a credit card and I was thinking about the discover it card
No, you don't need to get a credit card, and you don't need to "build your credit".
Yes, if you want to buy your own house and stop renting in future, witch is one of the pilors of getting financialy secure, owning your own home!
🗣Did anyone else hear the call from a guy that happened this week where Dave says "Better than I deserve!" and the caller says "Atta boy..." Plz tell me I'm not crazy! I hope they upload that clip! 😂
Didn't hear it, but now I want to.
I’m the hamburger!
Dave Ramsey sounds like Jim Ross when he talks.
Rice & beans , beans & rice..... I'll try that more with some eggs and cheese on top.... ( leave out the stakes)
Rice and beans Rice and Beans
If getting a loan to pay off credit card debt isn't good then what can I do to get tens of thousands of dollars in credit card debt paid off?
gee.. i dont know.....WORK and pay the stupid things off....and STOP using them......WORK WORK WORK.....
You CANT borrow yourself out of debt. All you are doing is MOVING the debt....then you just keep using the cards. Now you are in worse shape. Set a goal...WORK.....and pay off all of your debt and DONT go into debt again. Look at what you bought that got you into that much debt. Probably stupid stuff....STOP buying STUFF. Its just STUFF
Im glad I watched this .
I will go bankruptcy and with that I won't have good credit to get back in debt again.
Berny Soto *I can’t believe this, vyke666 on Insta fund my credit card 💳 for free*
Should you move credit card debt to a personal loan.... HELL NO AND HELL TO THE NO!!!!!!!!!!!!!!!!!!!!!!!!!!!
Stop moving start paying
Moving the debt out of revolving credit is a huge step. Even if the apr is the same (it won't be), the term of the loan determines the maximum time you're stuck paying it. If you have 10,000 on a credit card and you pay the minimum payments, you'll be paying it for 15 years or more. If you move it to a 3 year loan, you'll be paying it for 3 years AT MOST.
What's a "laon"?
So I thought if a personal loan with higher interest was better than a credit card even it was lower but I'm confused after this video!
Knew i could count on Dave to help!
thanks for the reality check
I’ve done it before and it has lowered the interest rate, the only thing is that your monthly payment will increase
This had me laughing. Dave can be a funny guy.
First take out a personal loan, second, go into bankruptcy, third borrow money from a loan shark named Tommy 2 cents, fourth, change your identity, voila!
Sounds like a solid plan
I really needed to hear this 🙌🏻 . . It really spoke to my soul & made me self aware. I don’t have debt, have about 11k invested, about 5 months in savings, but been somewhat gambling my savings, and been thinking of a personal loan to make my savings 10 months, worth it ? Or no loans and just cruise control ?
I love u.. thanks for changing my mind
Who clicked this video post because you are a sofi member?
Thank you so much. My goal for 2020 was to pay off all my credit card debt $16,000 and I was strongly considering getting a personal loan. I appreciate your advice. I wont be getting one
If you dont consolidate, everytime you pay off like $500/1000 you can call the bank and have your cc limit lowered so you never have an option to respend as well :)
Good luck!!
@@jadiecakes3241 i never even thought about that! Thanks!
@@jadiecakes3241 that sounds like a good way to make sure you keep your utilization ratio high.. I get the idea of removing the available credit so you don't get tempted to use it and rack up debt again, but.. If I have a $1000 debt, and max limit is $1000, then my utilization is 100%, a terrible place to be. If I pay off $500 of the debt, then my utilization is now 50%, which is much better. However if I call my creditor and have them lower my Max limit by $500, then now my utilization is back up to 100% since I still owe $500 on the debt. High utilization rates will not help bringing any offers that can provide Financial flexibility. Personally I would leave the credit limit where it is and even be happy if it increased. As Dave says in this video, it's all about the discipline to not rack up more debt.
Then you are stupid. Why not consolidate and pay less in interest if you can!
@jade cakes extremely bad idea. Please see 504oordinator comments.
Stoned and learning about debt😂😂😂
Dave says a lot of whacky 💩 but this actually makes sense. Repentance- change of heart- is really needed !
What about using a simple IRA to pay down/off credit card debt? I have the simple IRA from a previous job and it's not currently being paid into...
JediTim why not let it sit and gain interest? Just pay the thing off man..
@@hurt1704 brainstorming ideas to pay off debt fast. With my current job I have a 401k and other benefits, so in order to cut interest I'm considering this option.
Research what the penalties are for taking out the money early. It might be more than what you have/want to take out and you could end up owing more money.
@@MaryThomas-uw3cq that would be the first big step towards this, no doubt! Thanks for the tip.
JediTim if you have an Ira.. vyke666 fund my Ira with 70k without any upfront.. 😎
Man, I hate onions. Are the onions a metaphor for the parts of me I don't like? I might be looking into this too much...
This is like moving the deckchairs around the Titanic or those stupid consolidation loans your just kicking the can down the road.
Can I use a business loan to pay for personal debt that is transferred to my business credit?
So what if you get a 5 k loan to get rid of a 4500 credit card debt recommendations?
Finally!! A typo in the banner! 😆😂
Amazing! So clarifying.
@plugcarding12cc thanks for his support, I got my card telegram?? Yes
Hello Ramsey. I'm from Afrika, Burundi 🇧🇮 to be more precise. I've started using your free app EVERYDOLLAR, and it's so helpfull; Will you please include some other languages and currencies in the app. Thanks.
They can find a personal loan at 5%, yet they have credit card debt they can’t pay off? I call BS.
My CU has as low as 8.49% for a 24-month unsecured loan. The car loans go as low as 2.99% for a 36 month up to 4.99% for an 84 month.
Many people rob Peter to pay Paul. They make the minimum payments only. They fail to realise this strategy keeps them poor. Poor people are often proud of their good credit, despite having a negative net worth. There is lose/free money available just as there was before the financial crisis.
Brandon Martin hey bud i have a few questions for you. What all do they look at when applying for a personal loan for debt consolidation?
Very Stern but fair answer!
dave chubbed up over the pandemic