Clock is ticking on credit card debt
This clock shows how much Australians owe on credit cards. With around $32 billion owing,
thats an average of around $4,300 per card holder.
The level of credit card debt can go up or down depending on what the trend is on a monthly basis.
The average card holder is paying around $700 in interest per year if their interest rate is between 15 to 20%.
What can you do to reduce your credit card debts?
Find out how much you can save
See our credit card calculator to find out how much money you can save by paying more off your cards. The calculator also shows how long it will take to pay off your credit card if you make only the minimum repayments.
If you have $4,400 of credit card debt and only make the minimum repayments, it will take you 31 years to pay it off and cost you around $14,900 in interest. But if you pay off $216 each month youd pay off your debt in 2 years and save $9,700 in interest.James Holmes’ attorneys file motion to move trial out of Arapahoe County Arapahoe County prosecutors are seeking the death penalty in the trial, which is scheduled to begin in October. Holmes has pleaded not guilty by reason of insanity to several charges of kill and attempted kill.
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On December 3, the CFPB released its Report required by the Credit Card Accountability Responsibility and Disclosure Act (CARD Act), with its perspective on the current state of the credit card market. The Report asserts that, since the enactment of the CARD ACT, consumers have avoided a combined $16 billion in over-limit and late fees. The report also posits that credit has generally become more available to consumers, and the number of new accounts has grown faster than in almost every other major consumer credit market.
Despite its generally positive outlook on the state of the credit card market, the CFBP identified five credit card practices that it believes may pose risks to consumers and may warrant further scrutiny by the Bureau:
Deferred-interest promotions can hit consumers with back-end pricing: The CFPB continues to view credit cards with zero interest promotional period as a potential problem area, finding that consumers, especially those with lower credit scores, are sometimes unable to pay off their balances by the end of the promotional period and so are retroactively charged interest on the entire balance. The CFPB will continue study these types of products.
Subprime credit card companies charge much more for credit: Although the Report indicates that credit card pricing has generally improved since the CFPB#39;s last report in 2013, it noted that subprime pricing and fees remained higher than other types of credit cards which in turn makes it difficult for subprime borrowers to payoff balances.
Rewards programs have obscure and incomplete terms and conditions: The Report identifies [t]he number of different disclosures associated with rewards cards, and the timing of when consumers receive them or have access to them as areas of potential concern with respect to rewards programs.
Debt collection practices pose risks to consumers: The Report states that the conduct of debt collectors can present substantial risk to consumers, and revealed that the CFPB received more than 88,000 complaints from consumers about debt collection in 2014, one in seven of which pertained to credit card debt collection.
Some credit card agreements are still long and complex: The Report also noted that most credit card agreements range between 3,000 and 8,000 words, which the CFPB believes can lead to increased customer confusion.
Despite the CFBP#39;s generally positive outlook on the state of the credit card market, credit card issuers can expect continued scrutiny, especially regarding promotional interest rates, debt collection, and credit card agreements. Credit card issuers would be well served to revisit the terms of their promotional interest rate products and cardholder agreements to determine if the terms and conditions can be further simplified, to thwart later claims by the CFPB that the terms are too confusing for consumers.
The content of this article is intended to provide a general guide to the subject matter. Specialist advice should be sought about your specific circumstances.
According to a new report, America may be reaching an unsustainable level of credit card debt in the coming years. The report predicts a net increase of $68.5 billion in credit card debt from 2014 to 2015, despite promising payoff statistics earlier in the year.
The average household credit card balance is expected to reach $8,000 by the end of the fourth quarter, which is just $400 below what experts claim is an unsustainable level of debt. In other words, the amount of debt that households are acquiring is outpacing their increased income, which could make it impossible for consumers to keep up with their credit cards in the near future.
There was hope in the first quarter of 2015, with Americans paying off nearly $35 billion in credit card debt. That hope was quickly dashed as consumers added $32 billion in debt during the second quarter and over $21 billion in debt in the third quarter. Those are the largest second and third quarter increases since 2009.
This trend of paying off debts in the first quarter has been consistent for several years, so America may alleviate some of its newly acquired debt during the first quarter of 2016. However, if consumers do not get a handle on their credit card balances soon, the country may end up in a worse financial situation than it was after the 2008 recession.
[Written by Carla Seely]
Happy Holidays, Season Greetings and Merry Christmas... some of us will also need to say another "Merry Credit Card Debt"!
I love the holiday season, the giving of gifts and participating in a holiday party or two, but like many, the expense at this time of year is always on my mind.
Instead of having a bunch of credit card debt to deal with in 2016, look at the expenses associated with the holiday season; think about what you can do without or how you can make do with what you already have. "Cutting down on holiday spending doesn't have to mean cutting down on holiday cheer".
Here are some creative ways to plan a great holiday season:
Budget Budget Budget
- Create a holiday budget. A less expensive holiday season starts with a solid spending plan. Look over your finances and decide how much you can afford.
The Who's Who
- Trim down the gift list, make a list of essential people you need to buy for. The rest can get a heartfelt Christmas card.
- In my family we have set some rules. We buy presents for our parents, nieces and nephews aged 12 or under.
Gift Of Wine
- When it comes to friends, we go out for a glass of wine as our holiday cheer instead of giving gifts.
Re-Use And Bedazzle
- Use what you already have, swap decorations with friends, scour yard sales, make something new with your own hands or dress up your decorations with some sequins and glue.
Pot Luck Dinner
- Throw an affordable holiday dinner. Years ago, when I couldn't make it home for Christmas dinner I would host an "Orphans Pot Luck Dinner", it was for all my friends who were on the island for Christmas. I always cut the cost by having people chip in whether it's the mashed potatoes, a dessert or a bottle of wine. What I discovered was everyone is happy to bring something.
With the holiday season upon us, remember it is about time with family and friends and not about creating credit card debt.