Credit Card Debt

A no-hassle guide to understanding and elimating your debt.


Here’s the top credit card debt stories making headlines today.

The average family now has over $16,000 in credit card debt. That’s close to the average balances from 2007 just before the Great Recession.

A creditcards.com study revealed that residents in Alaska have the highest balances. By contrast, Iowa credit card users have the lowest.

That debt will likely cost more this year thanks to a Federal Reserve interest rate hike. Unless you have a fixed credit card, which is rare, the APR on your credit cards has probably increased, too.

And finally, a new TransUnion report says more people are likely to fall behind on payments this year.

For more information visit the Credit Card Debt section of CosolidatedCredit.org.

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What you need to know about your debt

Eliminate debt effectively

If you’re working to eliminate high interest rate credit card debt, we can help you identify the right solution for your financial needs so you can avoid the guesswork and stop the sleepless nights.

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Do you need help?

Most people prefer to solve debt problems on their own, but at a certain point you may require help to get out of debt. If you’re not sure if you’ve crossed that line yet, these resources can help.

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Credit card consolidation

Credit consolidation is the process of combining multiple credit card debts into a single payment. The goal is to lower the interest rate applied to your debt so it’s easier to repay.

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Understand your cards

Often credit card debt problems stem from a lack of understanding about how your credit cards work. Don’t let debt become a problem just because you failed to read the fine print!

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Credit cards vs. other debts

Learn how credit card debt fits in with other consumer debts. The more you understand your debt, the better you can prioritize repayment and make effective plans for debt elimination.

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"We are really proud to recommend Consolidated Credit" Kathleen Cannon, President & CEO of United Way of Broward County. Consolidated Credit Counseling Services, Inc. is pleased to announce our partnership with the United Way as a United Way Chairman’s Circle Organization.

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Consolidated Credit is honored to receive the 2012 Excellence in Financial Literacy Education (EIFLE) Nonprofit Organization of the Year award. The EIFLE awards acknowledge innovation, dedication and the commitment of organizations that support financial literacy education worldwide. See what Consolidated Credit can do for you.

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With this amount of debt, you'd pay around $xx.xx on a DMP.

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