[onelustyboy]

Hi guys,

Just checking what other ways to consolidate your CC debts. Snowballing now for my case so thinking of ways to re finance or consolidate. My debts are not enough to qualify for banks debt consolidation plan and and cant seem to borrow any more due to credit limit. Not thinking of borrowing from those licensed money lenders as it will only get worst.

Plan to borrow lump sum to pay off all outstanding credit card bills and 'reset' so i can borrow from bank at a lower interest , personal loan at est. 4%. Can repay over 3 to 5 yrs..

My income ard 90k p.a. CC debts of ard 60k. CC interest of 24% n all the finance charge is really no joke. Need to turn around fast.

Any advice or suggestion will be deeply appreciated.

Thanks in advance ..