debt – RateZip.com

Debt is an overwhelming problem for many people. Over 189 million individuals in the United States struggle with unsecured debt, totaling over $900 billion. If you’re struggling with debt, surmounting it can seem almost impossible.

Thankfully, programs exist to help those facing financial problems due to their debt. One company that has programs such as these is Accredited Debt Relief. Founded in 2011, Accredited Debt Relief has served more than 200,000 clients and had over $1 billion in client debt paid off. Keep on reading to learn more about Accredited Debt Relief and see if you qualify for savings!

	Reduce Debt Consolidate Payments Be debt free in 12 to 24 months!

Accredited Debt Relief does just what its name says – they provide debt relief options to consumers and are accredited with the Better Business Bureau (A+ Rating) and the American Fair Credit Council. If you have $10,000 or more of unsecured debt, you may be able to benefit from working with Accredited Debt Relief. Through their individualized relief options, qualified individuals may be able to reduce their debt, consolidate multiple payments into one easy payment, and be free of their debt in as soon as 12 to 24 months! You can get a free, no-obligation consultation to learn more about Accredited Debt Relief and see if their debt relief options are right for you. You can even find out your potential savings without impacting your credit score!

Reducing your Debt with Accredited Debt Relief

So how does Accredited Debt Relief work? After speaking with one of their specialists and explaining your unique financial situation, Accredited Debt Relief will match you with a personalized debt relief option. This is typically debt consolidation, where multiple debts are combined into one, easy-to-manage debt, or reducing the amount of debt that you owe by negotiating with your creditors. Accredited Debt Relief is 100% success-based, meaning that they won’t get paid until you have found a solution for your debt. This means that they need to help you and your creditor agree on new terms for your debt and reduce the amount that you owe, and have you start making payments towards your newly-agreed upon terms. Once these conditions have been met, Accredited Debt Relief may collect a fee of between 15% to 25% of your debt balance at the time at which you enrolled, but this varies by state.

Previous clients of Accredited Debt Relief have saved thousands of dollars, paid off their debts in one to two years, and had their total debt reduced by up to 62%! Multiple success stories can be viewed on their website. It’s important to note that past results are not indicative of future success, and that the savings listed do not include Accredited Debt Relief’s success-based fees. That being said, with 4,488 reviews and a TrustScore rating of 4.9, Accredited Debt Relief has proven that it has excellent customer service and wants its customers to be successful!

Is Debt Relief Right for You?

There are multiple reasons why Accredited Debt Relief might be right for you. Common reasons for seeking debt relief include job or income loss, illness or accidents, divorce, or a death in the family. During times of stress, debt becomes exponentially more problematic, making debt relief a necessity. Accredited Debt Relief has experience reducing unsecured debts such as credit card debt, personal loan debt, medical debt, and more. If your debt payments are too high, you’re only able to make interest payments or minimum payments, you’ve missed payments, or your debt is causing physical, mental, or emotional stress, then debt relief might be right for you.

If you’re ready to get started, you can learn more about debt relief here.

Advertising Disclosure

If you’re struggling with high interest credit card debt, you may be interested in a balance transfer credit card. These cards offer a low interest rate (or sometimes even a 0 percent interest rate) for an introductory period and allow you to transfer an existing debt from your current credit card. By having a lower or 0 percent interest rate, you are able to pay down your debt faster and spend less money on interest! Keep on reading to see some of the top balance transfer credit cards!

Citi Simplicity® Card

Annual Fee: $0
Intro APR: 0% Intro APR for 21 months for balance transfers, APR thereafter. Balance transfers must be made within the first 4 months of account opening. An introductory balance transfer fee of $5 or 3% of the transfer amount (whichever is greater) will be charged.
Perks: 0% Intro APR for 12 months after account opening on all purchases, APR thereafter; No Late Fees and No Annual Fee

A simple card that’s great for balance transfers, the Citi Simplicity® Card is aptly named! With no annual fee, no late fees, and no penalty APRs, the Citi Simplicity® Card is affordable and easy to use! (It’s worth being noted that you should still make payments on time, as late payments will lower your credit score.) Because the Citi Simplicity® Card’s intro APR period for balance transfers is 21 months, you can focus on paying down credit card debt without worrying about interest payments for almost two years! This card has one of the longest into APR periods for balance transfers available. However, in keeping with the simple name, this card also does not offer any type of rewards points or spending bonus. This can be useful if your goal is to pay down debt, but if you want a rewards credit card, you’ll want to look elsewhere.

Learn More about Balance Transfer Credit Cards

Citi® Diamond Preferred® Card

Annual Fee: $0
Intro APR: 0% Intro APR for 21 months for balance transfers, APR thereafter. Balance transfers must be made within the first 4 months of account opening. An introductory balance transfer fee of $5 or 5% of the transfer amount (whichever is greater) will be charged.
Perks: No annual fee; lengthy intro APR for balance transfers.

The Citi® Diamond Preferred® Card totes a lengthy 21-month 0% intro APR for balance transfers (after that APR), giving you plenty of time to focus on paying down debt without worrying about interest payments! It also has a 0% Intro Apr for 12 months for purchases, with APR thereafter. The Citi® Diamond Preferred® Card doesn’t have any rewards, instead allowing you to focus on paying down your debt. However, Citi allows you to have free access to your online FICO® Score, letting you monitor your credit score no matter where you are!

Learn More about Balance Transfer Credit Cards

Citi® Double Cash Card

Annual Fee: $0
Intro APR: 0% Intro APR for 18 months for balance transfers, then APR thereafter. An introductory balance transfer fee of $5 or 3% of the transfer amount (whichever is greater) will be charged on balance transfers made within the first 4 months.
Perks: You can earn 2% on eligible purchases by earning 1% cash back when you purchase and 1% cash back when you pay for your purchase. The minimum payment must be met in order to earn cash back.

With the Citi® Double Cash Card, you can earn 2% on eligible purchases by earning 1% cash back when you purchase, and 1% cash back when you pay for your purchase! In addition to earning rewards, the Citi® Double Cash Card is also useful for balance transfers, with a 0% intro APR period of 18 months followed by APR thereafter. On the downside, the intro APR does not apply to purchases, so if you’re planning on making a big purchase and want to utilize a 0% APR, you’ll need to look for a different card. Rewards also expire if this card is not used for twelve months, making it necessary to keep a close eye on your rewards and spending. But if you want a card that’s great for both balance transfers and rewards, the Citi® Double Cash Card could be for you!

Learn More

Citi Custom Cash℠ Card

Annual Fee: $0
Intro APR: 0% Intro APR for 15 months on balance transfers and purchases, with APR thereafter.
Perks: Earn 5% cash back for up to $500 spent in your top eligible spend category each billing cycle, with 1% cash back thereafter and 1% cash back on all other eligible purchases.

With the Citi Custom Cash℠ Card, you can earn 5% cash back for up to $500 spent in your top eligible spend category each billing cycle, with 1% cash back thereafter and 1% cash back on all other eligible purchases! This is a super easy rewards system, with no rotating bonus categories or offers to pay attention to. You can also earn $200 cash back when you spend $1,500 on purchases during the first 6 months after account opening, which will be presented as 20,000 ThankYou® Points. This rewards system, combined with a 0% Intro APR for 15 months for balance transfers and purchases (with APR thereafter), makes this card a great choice for those who want to pay down debt and benefit from easy-to-use rewards! On the downside, you could be missing out on potential earnings in your other high-spend categories when compared to other cash-back cards. Make sure you consider what you need most in a credit card when opening a new account.

Learn More

Blue Cash Everyday® Card from American Express

Annual Fee: $0
Intro APR: 0% Intro APR for 15 months on balance transfers and purchases, with reg_apr,reg_apr_type APR thereafter.
Perks: Earn $200 statement credit if you spend $2,000 on purchases during the first 6 months after account opening; Additional rewards and credits available.

The Blue Cash Everyday® Card from American Express has an intro APR offer for both balance transfers and purchases, as well as other rewards and perks that add to its long-term value. For purchases and balance transfers, this card has an intro APR of 0% for 15 months, then reg_apr,reg_apr_type variable APR thereafter. In addition, if you spend $2,000 on purchases during the first 6 months after account opening, you can earn a $200 statement credit. You can also earn credits for Disney+, Hulu, and other eligible subscriptions (enrollment is required)! For rewards, you can earn 3% cash back for up to $6,000 per year in three different rewards categories (U.S. Supermarkets, U.S. Online Retail Purchases, and U.S. Gas Stations). After the cap is met, you will earn 1% cash back. Overall, for no annual fee, this is a great card for those looking for a balance transfer card with long term value. However, if you spend more than $6,000 each year in this card’s bonus categories, the cap may be limiting and a different card with unlimited cash back may be more in your favor.

Learn More

Opinions expressed here are author’s alone, not those of any bank, credit card issuer, hotel, airline, or other entity. This content has not been reviewed, approved, or otherwise endorsed by any of the entities included within the post. The content on this page is accurate as of 2/8/2023; however, some of the offers mentioned may have expired.