Are you considering credit card debt forgiveness? Find out when these programs make sense and when they don't here.
With the federal funds rate paused at a 23-year high, borrowing costs are up. And, since rates are high on credit cards, you may have seen the interest charges on your credit card balloon recently. If higher credit card payments are impacting your budget, credit card debt forgiveness could make sense. These services typically negotiate with your credit card companies to settle your debts for less than you owe. But credit card debt forgiveness isn't for everyone.
When you have little cash left over at the end of the monthDo you have to sacrifice the small things to make your credit card payments? Or do you have to seriously consider the budgetary impact of minor expenses, like streaming services, before signing up? If so, it may be time to consider credit card debt forgiveness. There's a difference between frugality and an inability to afford the simple things. If your credit card debt has caused the latter to occur, debt forgiveness may be worth it.
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