Secured credit card or instant approval guaranteed platinum credit card.

  secured credit card or instant approval guaranteed platinum credit card.

 

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The UltraVX® Visa® Card is a revolutionary card with many powerful features that benefit you!
* UltraVX makes it easy to manage your finances
* Automatic minimum payments
* Reports to all 3 major credit bureaus
* No credit check, no bank account required
* Instant online approval
* Earn rewards for iTunes, Southwest Airlines, American Airlines, JetBlue, US Air, Marriott Hotels, Hilton Hotels, and many more with no restrictions*.
* Subject to terms and conditions.

The First Option MasterCard® Secured credit card is a Real credit card that will provide you with all the privileges of MasterCard® credit card.

* No Credit Check

* Approved Regardless of Credit History*

* Credit limits up to $5,000.00

* Reports to All 3 Bureaus

*See Card Terms and Conditions

AccountNow® Prepaid MasterCard® Card is a pre-paid card that can be used anywhere MasterCard® is accepted.
~ 100% guaranteed approval*
~ Free credit builder and bill pay
~ $0 activation fee with direct deposit
~ New! Now with the iAdvanceSM loan option
~ This is a debit-card, not a credit card
* See Card Terms and Conditions

A Platinum card can be yours for the taking. New Millennium Bank can approve you for up to $10,000** in secured credit regardless of your income or credit history. Choose a Visa or MasterCard.
* Reports to ALL 3 Bureaus
* No Credit Check
* Be Approved Regardless of Credit History
* Special High Introductory Savings Rate
* Bonus $3,000 credit line with My Computer Club
* Terms and conditions apply

The Advantage is yours - apply for The Millennium Advantage Card TODAY! The Millennium Advantage Card is a pre-paid MasterCard® that gives you the convenience of paying bills on-line or over the telephone, making on-line purchases and using your card wherever the debit MasterCard® brand is accepted.
* Use your card at over 900,000 ATMs and millions of locations worldwide!
* No credit check or income verification required
* No Chexsystem check
* No minimal balance required!
* Phone and On-line account access
* Shop and pay bills on-line!
*See website for complete terms and conditions of card usage and application disclosure.

 

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What is a secured credit card?
A secured card is a credit card established by depositing money into an account. The account serves as security for the card; if the bill isn't paid, the money in the account may be used to cover that debt. For example, if you put $500 in the account; you can charge up to $500. You may be able to add to the deposit to add more credit, or sometimes a bank will reward you for good payments and add to your credit line without requesting additional deposits.

 

Secured credit card benefits:

A secured credit card can certainly help control spending because only the balance can be spent. It's a helpful tool for teaching financial responsibility to teenagers.

 

A secured credit card is also useful to business owners to track financial expenditures. And, business owners can give limited access to company employees for purchasing office supplies or making business travel arrangements.

 

A secured credit card offers more security against the loss of money because the maximum that can be fraudulently charged is the prepaid balance.

 

One of the greatest benefits is that a secured credit card often has guaranteed approval, meaning even people with very bad credit can get accepted.

 

Apply for your secured credit card today.

 

If you have bad credit and have been turned down for an unsecured credit card, Credit Federal recommends the cards above.

  

Want cash credit instead of a catalog or a secured card?

If you are employed and have an active checking account, you can qualify for a $500, $1000 or a $1500 cash loan.
  

Get a fast cash unsecured loan deposited directly into your bank checking account as quick as one business day.

  

 

  

Need more credit card information? Read our financial and credit articles related to a secured credit card.

Debt Cards and ATM Cards

 

Getting money and depositing money using Debit Cards and/or ATM cards are very popular. Most banks offer debit cards better known as a check card when a checking account is opened. A debit card provides an easy way for you to get your money. Debit cards can replace writing checks and can double as your ATM card by letting you withdraw or deposit money using an ATM machine.

 

Debit cards will have a Visa® or MasterCard® logo on them and they look like credit cards. They are accepted anywhere credit cards are accepted. They can be used withdraw money or make purchases and do not accumulate interest because the money is taken directly from your checking account. Debit cards will not help you build credit. Because a debit card is so easy to use, you must keep track of all your purchases, withdrawals, paying bills, online transactions, and know what you’re spending. If you don't, you can quickly overdraw your checking account and that can cost you extra fees.

 

An ATM card lets you get money from your savings account using an ATM machine. ATM cards do not have the Visa® or MasterCard® logo and may not be used to make store purchases directly. They can give you easy access to your money but there may be fees for that feature. Just getting out cash in the amount of $20 could cost you less or more than the cash you needed. There could be added fees for using your bank’s ATM and higher fees for using a different bank's ATM. It is important to know all the terms and fees for the card. Make sure you keep track of all withdrawals and monitor how much is in your savings account.



ATM Debit Cards:

 

When an ATM debit card is used entering a PIN (personal identification number), a transaction is processed and a card number is sent to the bank that issued the debit card. It is verified for the authenticity of the transaction and for the availability of funds. If there are funds, the bank replies and card holder is able to carryout the transaction. If the funds are not available, a message of “Insufficient Fund” is displayed on the screen.

 

Just the bank is aware of the details of the transaction and the confidentiality of the card bearer is maintained because the ATM debit card number is taken into account. ATM debit cards are useful to withdraw money anywhere using a Visa or Mastercard terminal and it allows money to be deposited or transferred from one account to another account, and also provides a way to get cash.

 

Transactions are made available to the ATM debit card holder by means of a statement or through online banking features. Transactions can be much faster than writing checks. It is important to not let anyone nearby view the entering of your personal pin number and always report any lost or stolen ATM or Debit Cards.



ATM Debit Cards

 

ATM debit cards are useful for withdrawals, deposits, transfers, balance information, and to get details on transactions. Money can be withdrawn using Visa or Mastercard terminals and using an ATM debit card. Deposits and transfers from one account to another are easy to make using the cards at available terminals. If information is needed on the available balance, it can also be viewed by accessing terminals using the ATM debit card. To see the details of all the transactions of the card, a statement is made available to the card holder that is generated by the issuing bank. Debit cards are popular as they are much faster than writing a check and they only require a PIN (personal identification number). When an ATM debit card transaction is processed using a PIN number, the card number is sent to the bank issuing the ATM debit card where it is verified. If there are available funds, the bank replies and the card holder is able to carryout the transaction. Debit cards can save banks time and money by eliminating check processing and they like to offer consumers the card.

  

When a debit card is stolen and a checking account is drained, it can take some time for a claim to be investigated and the account reimbursed. The first thing is to report the card stolen and consider closing the checking account, open a new one and get new bank cards. Don't forget to make changes for any direct deposits. When a bank account has been ripped off unexpectedly, checks may bounce and you may or may not have to pay the fees. If there is a huge dispute over the debt card, the bank has to make the decision either to credit your account and they take the loss, or not credit it and you take the loss. Debit cards don't offer protection for the cardholder to withhold payment on defective items or services like a credit card allows. Consider using a credit card for large purchases in case you are not happy with the product or service and need to withhold funds. Debit cards are very convenient, but use precautions to prevent them from being lost or stolen.



Students ATM Debit Card

 

Students can use a debit card for traveling or college expenses and it can be easier than other options. Students may find debit cards helpful in the event they must travel and they run out of money. When this happens, they can have a parent deposit money into their checking account. It is a good idea to leave parents a deposit slip and tell them if they have to deposit money, have the bank post it immediately to the account. Once this is done, a student can continue using their debt card throughout their travels without experiencing any problems.

 

It can be helpful when starting out in college as a new student, to get a checking account. Try to find a bank that does not charge checking account fees and apply, then ask for a debit card. Once you apply for the card, it may take up to two weeks to get the card. Be sure to sign the back and always take a photo ID with you when you plan on using the debit card. This is in case merchants want to look at your picture and signature to help them verify you are the cardholder.

 

Debit cards require a PIN (personal identification number) which can be changed to a number that you can easily remember. Memorize it. If you have to write it down, don't write it on the card, record it in a safe place that is not with your card. Make sure you don't choose your birthday, as someone may be able to guess that as a PIN number if they have your card.

 

Anytime your debit card is lost or stolen, call the bank fast before anyone spends your money. Always keep the phone number of the bank handy in case you ever need to report the card missing. These cards can be used for just about anything, booking reservations, plane tickets, entertainment and much more. They are easier to have than cash and statements can be used to track expenses or set up a budget.



Atm Debit Cards

 

With the banking and credit crisis, debit cards may become even more popular to use for payments and purchases. Credit cards and debit cards look similar but are very different. Consumers may like to have a popular and attractive credit card, yet some people have bad credit and may not be able to get approved for unsecured cards. 

 

Debit cards can be easy to get through issuers online like Visa and MasterCard. Even though unsecured cards may be viewed as high class, consumers who don't like to have credit card balances can choose some attractive debit or prepaid cards and load funds onto the card quickly and without any problems. These cards can be used anywhere a Visa or MasterCard is accepted if the card has funds. The great thing about these cards is that you can only spend what you load onto the card and there will not be a balance due.

 

The Debit Card had a start beginning with the ATM cards and the growth in these cards has prompted agreements between Banks to allow customers to use each others ATMs. Card issuers will need to determine how to use their debit cards to earn revenue and how technology around the debit card can continue to be enhanced. Unlike consumers having several credit cards in their possession, usually only one atm debit card is all that is needed. Card issuers may need to focus more on debit cards and develop new marketing strategies and technologies.



ATM Debit Card 

 

It is estimated that almost half of consumers have a Visa or MasterCard debit card. Usually a debit feature is part of an ATM card. Some consumers use only a credit card for large purchases in case they need to withhold payment for defective items or service transactions. The Federal law gives consumers the right to withhold payment in certain circumstances if they use a credit card and in good faith tried to resolve the dispute with the merchant. Debit/ATM cards offer some protection, but you would need to find out the details of your ATM/Debit card. Visa debit cards do have with certain protections in the case of fraud. Many banks offer Visa check cards or atm/debit cards that may have the bank's logo on the card. It is easy for consumers to get all the details about fraud and fraud prevention along with details of what to do in the case of fraud.

  

It is best not to lend cards to anyone, don't leave cards or receipts lying around, don't write card numbers on anything that could be found, don't give your card numbers over the phone unless you initiate the phone call with a company you know. If credit or charge cards are lost or stolen, call the issuers immediately. Keep a list of your cards, the account numbers, and the toll free numbers to call if there is a problem. Most credit card companies provide customers with a 24-hour service. By law, once you report the loss or theft, you have no further liability for unauthorized charges. In any event, the maximum liability under federal law is $50 per card. If you suspect that someone has illegally used your credit card, call the card issuer immediately and consider sending the company a letter too. ATM/debit cards do make taking care of finances much easier but it is important to follow the tips and guidelines for using them.

Review Visa and MasterCard Debit card offers.

Retail Store Cards

 

Retail store credit cards are not through a major credit card company, but they report to major credit bureaus. Consumers who don't have any credit usually begin to establish credit using a retail store card. The card is issued by the store and can only be used for that particular retail store. These cards can be easier to get than other major credit cards even though they are similar to regular credit cards. With retail store cards, charges are made on the card and then the cardholder is given a grace period to pay the balance.

 

When retail credit card balances are not paid, interest is charged. Retail store cards are usually easier to get because the retailer is guaranteed to get your business as the card can not be used at other places. When charges are made the store is making money off purchases, fees, and interest charges. 

 

Usually there are perks offered when a person applies for a store card. They may be offered a discount on purchases made on the day they signed up for the card. It is usually tempting because a person can save on their purchases and keep their money for that day. Discounts may be offered along with a free gift or merchandise from the store. Cardholders usually get special notices about sales before the general public does and may receive rewards for using their store card.

 

Retail store cards can sometimes have perks that make them very worthwhile and can help a person manage their budgets by getting get good deals on sale items. Yet using a store card for shopping and making too many charges can still lead to card debt.



Store Charge Cards

 

It may not be worth saving 10% on a purchase by applying for a store credit card. Opening a new card puts an inquiry on credit reports. The credit reporting agencies may view the inquiry as unfavorably and it could lower credit scores. How much credit scores are affected will depend on your overall credit history, how high credit scores are, and how many inquiries are on reports. The more inquiries, the more credit scores will be penalized for each inquiry. Too many inquiries on credit reports may sometimes indicate problems.


Store charge cards usually have high interest rates so it is best before applying to check the rate. Store cards can only be used at one store and typical charge an interest rate of around 20%. If the balance is not paid off quickly, the finance charges on the card can offset any savings received when the account was opened.

 

Many store cards only offer a few thousand dollars worth of credit. This can keep you from running up a super high balance, but it can negatively affect credit if charges are made that are more than 30% of the available credit. Make sure you want to risk adding an inquiry on credit reports before deciding to get 10% off by applying for a store card.



Store Cards

 

Huge retailers and department stores issue store cards that are often attractive and offer lots of perks for shoppers. The interest rates are probably the highest among credit cards and the rates may range from 18% to over 20%. With high interest rates, they may not be worth having. Store cards are about like credit cards but can only be used in the shop that issues the card. They can be easy to obtain, but they will not be of much use when you want a card that can be used at any store.

 

The store that wants new customer will offer incentives to try to get consumers to apply and give a certain percent off purchases at the time of the application. Other incentives could be offered like certain days to shop to save money or points as a reward for future savings. Some store cards offer a flat interest rate without any thought about credit scores. This is not the type of card that will save money if the card holder keeps a balance that is never paid off each month, because of the interest fees. A negative point is that they usually offer low credit limits. Credit scores can be affected when there are high balances due for low credit limits.



Store Credit Cards

 

Businesses sometimes use store cards as a method for purchasing products for the company and as a way to track company expenses. This can help give a company two card options, using regular credit cards and store cards. The store card will only allow the business to use their card at their specific store but when they supply items that are needed, that can be helpful. The down side is that the card can't be used just to make charges anywhere other than that store.

 

When a company chooses to use a store card, issued by a vendor, they probably use a high volume of business-related goods and services. This ensures that all of the expenses charged to the card will be business-related. For new business just starting out and unable to get approved for a regular credit card, this may be the only option available. Sometimes when the card is first used, some merchants may provide a discount on the total purchase. If a balance is carried each month, carefully review the card’s APR to make sure it is not higher than that of other credit card issuers, typically store cards have higher interest rates than regular cards.



Store Cards

 

Big retailers and department stores issue their store cards to shoppers along with a lot of perks to get them shopping. Shoppers need to beware as there can be high interest rates - higher than regular cards. Some charge in the range of 18% to 31% and are normally more costly to have. Making charges may not be worth the added fees.

 

Store cards usually offer lower credit limits than traditional unsecured credit cards even though the interest rates are high. There are millions of store cards available and consumers can usually sign up at the register and begin making charges. Applying for several store cards over the course of a few days can cause inquiries on credit reports and that could lower scores or signal a warning to lenders.

 

Though store cards can be attractive, consider that a 10% discount on purchases now may cost more money in the end. Weigh the options of just using a regular credit card or paying for the purchase with a check card or debit card. With most reward programs, points are earned for rewards toward future purchases at the shop or department store. You may have to spend hundreds of dollars just to get a few rewards or points. Make sure you really want to spend a lot of money just to get a little reward and high interest fees added on your bill.



Store Charge Cards

 

If you wondered if the  Credit Card Reform affects store cards, it does. The new Federal Reserve rules may make it more difficult for customers to receive a retail charge card. A rule was passed Jan. 12, 2010 that will require retail outlets to determine that a consumer can make the minimum payment on the credit card before they can issue the card. The store may have to consider the consumer’s income, and this concerns some retail stores.

 

It would be difficult for stores to certify income at the point of sale, which is usually where the card is issued. According to some, credit scores and payment history are still the best ways to determine if a person is able to make payments. The Feds are aware of the reliable ways to estimate income that some stores have available and there may be some ways to obtain income information from a third-party. One point to remember about store cards is that their interest rates can be much higher than a traditional credit card. Also, using a store card does not allow for the cardholder to shop or charge at most locations, they must only use the card at their retail stores. If you think you may only get approved for a store card, consider checking other available credit card offers.

Can't get approved for an unsecured credit card because of your credit score? You can get a secured credit card to rebuild bad credit.
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Common questions turned into credit card facts. Apply for a good or bad credit card. Choosing between the best credit card offers can be hard. Consider a no interest 0 intro balance balance transfer, a pre-pay ATM or a pre-paid debit secured credit card, or unsecured credit card benefits that offer travel, miles, discount and vacation rewards. Pick between American Express, Chase, Discover, MasterCard and Visa, even if you need a joint consumer or business credit card.
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MasterCard partners with Obopay to offer a person-to-person mobile payment service. Browse and apply for a secured credit card or an unsecured credit card from MasterCard, whether a no interest pre-paid gold Mastercard or a platinum rewards card.
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Brand: Visa credit card image logos. Consider a secured or unsecured Visa card, a platinum, silver or gold credit card and apply online.
MasterCard debit card growth. Apply online for a secured credit card from MasterCard, or consider unsecured offers or even cards from another major card company.

 

 


Best Secured Credit Cards

   

 

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Credit Card Offers: Free credit card search makes choosing a credit card easy. Browse the most popular, best credit cards.

 

Credit troubles? Apply for a pre-approved credit card offer based upon your credit history. Poor and bad credit people can apply for a credit card to rebuild credit or to establish credit. If you have very bad credit, consider bad credit card offers such as a secured credit card like a prepaid Visa, no credit check cards or other types of a guaranteed card.

 

For very high risk people there are options other than a standard unsecured credit card, such as an online guaranteed platinum card for online store purchases, or possibly even qualify for a charge card or a discount card from retail stores like the WalMart card or the Sears card.

 

Prepay credit card offers: Apply for a debit card or a bank ATM card.

 

Rewards credit cards: In addition to perks such as a 0 intro balance transfer, major cards offer other benefits like a travel credit card that rewards free airline miles, a gas card, or family entertainment offers like the Disney credit card, apply for an unsecured platinum credit card.

 

Credit card interest rates: Some cards offer no interest and a 0 introductory period on purchases. There are also some with a special 0% balance transfer period so you can transfer balances from other cards to your new credit card.

 

Special credit card offers: Almost every credit card company will offer a spouse joint credit card account. Other special offers include no deposit credit card, business credit card, student credit card and shopping cards like a Christmas credit card. Read the fine print, compare the card benefits, rewards and ratings before you submit an online application.

 

Credit card company offers, including gold credit card and platinum credit card offers:

Visa credit card, such as the gold Visa card or the platinum Visa credit card.

MasterCard credit card, such as the gold MasterCard or the platinum MasterCard.

American Express card, such as the gold American Express card or the platinum American Express card.

Chase card, such as the platinum Chase card.

Discover card such as the gold Discover card or the platinum Discover card.

 

Before you apply, review all the credit card facts. Once you get the card right for you, read every credit card statement carefully and request credit card companies to stop credit card mail offers. Browse more credit card resources.

 

  

  

Auto Loan: Get free quotes and apply for a new or used auto loan or for auto refinancing.

Credit Report: Free credit report help to fix credit report errors and improve credit score ratings. You are entitled to one free credit report annually.

Debt Counseling: Get your expenses under control with credit counseling, an unsecured debt consolidation loan, debt management or negotiate debt settlement.

Free Credit Offers: Get no obligation, free credit offers plus financial tips to help effectively manage your personal finances.

Home Loan: Free multiple quotes from mortgage lenders. Apply for a new home loan and start building your financial security.

Mortgage Refinancing: 2nd mortgage loan and other types of mortgage refinancing for home remodeling, equity cash out or a debt consolidation loan and more.

Payday Loan: Easy approval bad credit unsecured loan with no credit check, no deposit and no security.

Personal Loan: Submit a short or long term personal loan application (if available), or apply for other secured or unsecured loan offers.

Personal Finance: How to file bankruptcy plus free bankruptcy forms. Create a household personal budget, balance a checkbook register, track expenses and more.
 

 

ATM Debit Card Tips for Secure Handling

Who Pays Joint Credit Card Account

Close Credit Card Account

Choosing the Lowest Interest Rate Unsecured Credit Cards

Joint Credit Card Accounts

Apply For A Balance Transfer Credit Card

Credit Card Interest Rate OptOut

Student Credit Card Advice

Bad Credit Card Rap

Extra Joint Spouse Credit Cards

Credit Card Application

Cancel Credit Card Account

Credit Card FAQs

Avoid Over Limit Fees

Instantly Approved Pre Pay VS Platinum Rewards

ATM Debit Card Fraud Tips

Keep Credit Card Accounts

Bad Credit and Credit Cards

Credit Cards and Credit Reports

Purchased and Free Gift Cards

Christmas Credit Card Shopping

Gift Credit Card Shopping

Personal Gift Credit Cards

Baddest and Best Credit Cards

PoorCredit Card Application

Credit Card Savings Accounts

Not Good Credit Cards

Where Have Bad Credit Cards Gone

Prevent Debit Card Fraud

Top Credit Card FAQs

Credit Card Use

Free Credit Card Services

Discover Card Fraud Protection

Visa Contactless Mini Card

Secured Credit Card Shopping

Credit Card Approval

Credit Card Fine Print

Credit Cards with Rewards

Cash Back Credit Card

Gas Credit Card

Student Credit Card

Secured Credit Card

Prepaid Credit Card

Preapproved Credit Card

Platinum Credit Card Prequalification

No Deposit Credit Card

Debit Card

Benefits of Credit Cards

Christmas Credit Card

Balance transfer credit card debt

ATM Card

Types of Credit Cards

0 interest credit card

What kind of card can I qualify for

Guaranteed Platinum Credit Card - Unsecured Credit

Choosing a credit card right for you

Rewards Credit Card Advice

Low or High Credit Limit Credit Card

Low Interest High Risk Rates

Best Gas Credit Card

Store Charge Card Tips

Credit Card Payment Calculator

Airline miles, hotel and gas credit card offers

Unsecured Credit Card

Gas Credit Card Rewards

Airline Sky Miles

Rewards Gas Credit Card

Choosing Credit Card Rewards

Balance Transfer Special Introductory Rates

Credit Card Offers - Platinum Rewards that are Guaranteed to Please

Business Credit Card Benefits

Business or Personal Credit Card

Business Credit Cards

Secured Credit Card to Rebuild Bad Credit

Debit Cards Costly For Poor People

Pre Paid Card Expansion

Secured Credit Cards

Debt Card or an ATM Card

American Express Gold Card Benefit

American Express Delta Air Lines Delta Reserve Credit Card

American Express Travel Card

American Express Travel

American Express No Fee Cards

American Express CardMember Rewards

American Express SimplyCash Business Card

American Express Starwood Preferred Guest Credit Card

American Express Membership Rewards

Bank of America American Express Rewards Card

American Express Travelers Cheques

American Express Open for Small Business

American Express Services for Business Travel

American Express ExpressPay

American Express Benefits Plus Card

Chase Freedom (SM) Statement Credit

Chase Freedom (SM) Card Statement

Chase Visa Signature Card

Chase Checking Rewards

Target Chase Credit Card

JP Morgan Chase Charge Card

Chase Freedom Credit Card

Chase Mobile Phone Credit Card System

Blink Chase Visa Debit Card

Chase Borders Visa Card

Chase BP Visa Card

Citi Card Rewards

Citi Private Pass Cardmember Program

Citi Home Depot Business Rewards MasterCard

Citi Citigroup Credit Card Portfolio

Citi Upromise College Savings

Discover Motiva Card

Discover Student Scholarships

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Why Did My Credit Card Interest Rate Increase? Here are reasons why your credit card company may feel you have become a high risk and have raised your account's interest rate:

*You sent a late credit card payment

*You were late paying another credit card account

*You are close to your credit limit

*You exceeded your max credit limit

*You exceeded or nearly maxed out some other credit card account

*Your credit score lowered

*You have too many credit card accounts

*You have too much other types of debt

*You bounced a check

*You filed bankruptcy

*You submitted false information when you applied for your credit card

*You broke a term or condition of the cardholder agreement

*You used the card illegally

*Your credit card account has a variable rate that is tied to another interest rate which had increased

*Your credit card issuer changed business strategies

*Changes in market conditions

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How Credit Card Debt Gets To A Collection Agency - Wondering why you're getting calls from a debt collection company instead of from your credit card issuer?

 

Your credit card issuer will invest only so-many months attempting to contact you and to get you to repay the balance, either in a lump sum (even possibly after negotiating for a lower settlement), or to once again make your minimal monthly payments on time.

 

After your credit card issuer has exhausted those efforts, the will give up and charge off your debt. They will then sell your debt to a collection agency, which pays pennies on the dollar to acquire your account debt. That's how you end up owing the payoff (or settlement amount) to a collection agency instead of to the original creditor (the card company).

 

Whether you owe debt to a collection agency or to a credit card company, you can get a credit counseling or debt consolidation quote. You can also learn do-it-yourself free debt settlement and draft your own debt settlement letter, or let a professional negotiation company do the work for you.