I tried Loan Consolidation Before

Have you take any Loan Consolidation before? I did. 1 year ago, when I'm have outstanding amount of $5k in my credit card. The result of crazy shopping at greeting season.

I taking out another new credit card loan to pay off that outstation. I get a fixed installment plan from the new credit card. They offers me a fixed interest rate with 0% transfer. I think this plan are suitable for someone has fixed monthly salary. With this I pay off all the outstanding amount within 12 months. Of cause, without further spending on credit card..