Credit Card Debt Reduction —Is It Even Possible?

Credit card debt reduction is an absolute necessity for millions of people struggling to pay their mortgages and maintain their homes. But with most of us having credit cards at or near maxed out, the high unsecured interest rates have forced us to play the “minimum balance” game! Making it even harder to get out of debt are the credit card companies themselves who use “dirty tactics”, such as:

• The Card Switching Tactic: With unsecured interest rates topping 20% or more, we can be tempted by credit card companies offering to let you transfer the balances from other cards to a new one with a lower rate. What you are actually doing is setting yourself up for failure and paying longer on the original debt. The new company will likely have insanely high over-limit and late fees that will instantly send your interest rate sky high—perhaps 25% or more!
  

• Minimum Payments Set Too Low: The credit card companies LOVE it when we only make the minimum payment! They are actually set too low because the vast majority of your payment goes towards interest and almost none towards your actual debt. Banks purposely set minimum payments so low to keep you a paying customer—and in debt to them—for life!
  

• 2-Cycle Billing Tactic: Many credit card companies use the 2-cycle billing tactic which means that they will charge you two months’ of interest on the first month you stop paying in full and start carrying a month-to-month balance.
  

• No Grace Period: Have you seen those credit cards offering insanely low interest rates? Watch out because many of these “low interest gems” have zero grace period to pay off your balance—so they are actually charging you interest from the moment you make a purchase.
  

• Cash Advance Penalties: Using a cash advance on a credit card is like giving them a reason to gauge. Many companies will start charging interest immediately on the cash advance and some even charge an additional 2-3% on the total amount!
  

Reducing Credit Card Debt in the 21st Century

Although the game is truly rigged by the credit card companies to keep you buried in debt for as long as possible, there is a solution: The Money Merge Account™ system and its revolutionary debt reduction software offered by United First Financial™ can also help with credit card debt reduction.

The Money Merge Account program is a revolutionary debt reduction system that uses an advanced software suite made from millions of lines of code and complex algorithms. The algorithms are designed to take into account your entire financial situation (from income to every debt you have).

These complex algorithms are just like the software used by the credit card companies—only they work for YOU and not them! The software will prompt you when to make payments and in precise amounts that MINIMIZE your interest charges and MAXIMIZE the amount of each payment being applied to your principle debt! With the Money Merge Account system and revolutionary banking techniques, you can cut your payoff time to a fraction of the time and potentially save thousands in interest!

The Money Merge Account debt reduction system will also show you how to beat the “2-Cycle Billing” trap and use the bank’s own money (by taking advantage of the grace period) to pay off your debt in record time!

If you are truly ready to get out of debt in the quickest possible time, then you need to start banking like a bank. The Money Merge Account system is the surest and fastest credit card debt reduction system only the financially savvy knew about—until now.

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