How To Pay Off Credit Card Debt (I Wish I Knew This)

[@DayanaPlays]

💰SoFi Personal Loan ($300 bonus): bit.ly/ploaninvite 💸Sign up for my newsletter: dayanaplays.com/newsletter

[@sergiojasso9998]

got rid of $22 k in 1.5 years transferring most of that to a couple credit cards with 0% for 18 months , this a great video 🥰

[@shawn.credit]

I did this 3 years ago took a personal loan with one payment and learned responsible credit habits after while growing my credit card portfolio and score.

[@DayanaPlays]

@@shawn.credit love that! ❤️

[@danielalexander799]

Most of that $1trillion credit card debt is owed by my ex-wife

[@DayanaPlays]

I'm assuming things didn't end well between you too! 😹

[@killacam139]

😂😂

[@Mr.West602]

😂

[@orlandonunez5761]

😂😂

[@anthonywilliams9415]

😅😅

[@RobertM-h4p]

I owed four grand on a credit card on a credit card a few years ago. I asked the bank for a loan and was able pay off

[@DayanaPlays]

That’s awesome that you took charge and paid off that balance! Congrats on making it happen! 😊

[@victorgeorgi2505]

Great video. I personally like the snowball method it helps and I try to keep my utilization below 30% and see my score go up.

[@DayanaPlays]

Thank you my friend.❤️ Same here! The snowball method has always worked best for me in the past. Seeing those small wins really motivates me to keep paying down the other cards, hehe. 🫡

[@romang9480]

Perfect step by step guidance ! 🎉

[@DayanaPlays]

Thank you so much my friend! ❤️

[@Wiltothefee]

Great advice and SOFI is now on my radar thanks to your videos. Keep them coming.

[@AngieMBlanco]

Wow… such a helpful video!! It’s sad how much debt we all have. The personal loan idea to consolidate all credit card balances is a great idea! Thank you for this 🙏 OH and Part 2!! 🤩🤓🎉

[@DayanaPlays]

Thank you Pollita! Part.2 coming right up, lol! 🫡

[@raulpardo9163]

Excellent video as always thkyou very much keep moving forward we love you

[@DayanaPlays]

Much appreciated chino!!! 😊

[@amaurysanchez3450]

Knowledge is power snow ball works

[@DayanaPlays]

Sure is! 💪🏽

[@susanvelez6534]

This was great thank you my friend

[@DayanaPlays]

Thanks for the visit Susan! I'm glad you liked the video. ❤️

[@susanvelez6534]

@ I never miss one darling my gentleman has cancer and it’s been hard to comment. But I always watch and thumbs up 🥺🙏🏼❤️

[@dwighttaylor5107]

So cool thanks

[@DayanaPlays]

Glad you like it! ❤️

[@karlaamaral395]

Part 2 please

[@DayanaPlays]

Coming right up! 👩🏽‍🍳

[@HowToCredit]

stopped by to push this back into the algorithm

[@DayanaPlays]

You're awesome!! Thank you so much! 👊🏽❤️

[@chriscox1535]

Btw I have an unsecured line of credit debt of 12% would you recommend balance transfer ? I have $12000 line of credit debt and zero credit card debt

[@D_Roadtrip_Productions]

Good advice to most viewers that carry a balance monthly. But when opportunity to pay card off in 20 days, then skip the fees and just pay it! if i carry a balance, it is never for more than 1 month , maybe 2 times a year.

[@DayanaPlays]

Thanks! 😊 Yeah, people should pay off their cards right after using them or before the end of each month if possible to avoid fees and interest.

[@zelowatch30]

Lol. An ex you're trying to get over. That's a bold one. 😂

[@DayanaPlays]

😹

[@jharvs3]

Part 2

[@DayanaPlays]

Coming right up! 👩🏽‍🍳

[@jenn735]

Capitol one is what I need to transfer to another card I’m so sick of there interest rate

[@jhosunefrancis8883]

Should I get a loan to pay my credit card?

[@JimmyGotVlogz]

❤❤❤

[@DayanaPlays]

Thanks Jimmy! 🥰

[@janetgarcia7239]

You spend too much time with the 0 percent balance transfers . Most of the people with credit car troubles won't qualify for the 0 or lower interest rate.

[@DayanaPlays]

Not necessarily. Many people with credit card debt still have a decent credit score. To get approved for 0% interest cards, like the Discover It Cash Back, you usually just need a FICO score of at least 670 or a VantageScore of at least 661 which is pretty low. If your score is lower than that, what you can do is try to improve it using some of the tips I mentioned (ex: snowball & avalanche method).) Once your score is around 670+, you can start applying for no-interest cards and use them to pay off your debt during the 0% interest period. The goal of this video was to point out the different ways to simplify paying off credit card debt. If you can’t qualify for a 0% interest card, consider a personal loan or follow any of the other mentioned tips. Goodluck! 🤞🏽💕

[@ToboeKey309]

Hi 👋 ☺️ 🫶

[@DayanaPlays]

Hello 😊

[@ZipporahsCrushCosmetics]

Part 2 please

[@DayanaPlays]

Here you go: kzbin.info/www/bejne/qWbClIeai8-Aesksi=UQHH33wPXcNR4bLD 😊

[@hectoraleman5719]

Part 2

[@missioncalming7172]

Part 2