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CreditGUARD of America

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How Instant Approval Credit Cards Lead to Credit Card Debt

Did you know the average credit card debt per U.S. adult is about $4,878? Credit card debt has become the norm for many Americans. Unfortunately, this ever-growing trend of racking up debt is only increasing. Many Americans own more than one credit card and often switch between various cards in an effort to pay their monthly bills. With CreditGUARD of America, we’ll work with your lenders to help consolidate your debt and give you the tools you need to learn effective debt management techniques.

Credit Card Scoring

Contrary to popular belief, owning a lot of credit cards does not help raise your credit score. It may actually work against you, as the various rules, limits, and stipulations of each individual account may sometimes be confusing. People will use one card to pay off the debt they accrued from another. While this is a temporary fix, it does nothing to actually relieve you of debt—it only prolongs it. At CreditGuard of America, we offer many debt relief programs. We work with you and your lenders to help find common ground by negotiating lower rates and rolling all your bills into one simple monthly payment.

How Instant Approval Can Lead to Serious Debt

It is extremely important to read the fine print when applying for a credit card. Most credit cards offer various incentives for joining, and after a short grace period the interest rate may rise. Unfortunately, a lot of people skip the fine print and proceed unaware of how introductory rates work. A majority of new credit card owners obtain a credit card because they want a quick fix, or because the particular card offers some kind of bonus for joining. Because people tend to misinterpret the specifications of their credit cards, they often dig themselves a hole early on and often struggle to get out.

Credit Card Management

We offer various debt management programs to help you rise out of debt by negotiating lower rates with your creditors. With our various credit management programs, we’ll help teach you the necessary skills needed in today’s economy to stay on top of your credit and learn how to tackle debt as soon as it arises.

Credit Card Consolidation

With our credit card consolidation program, you’ll be able to consolidate your various bills and help put an end to high interest rates. With credit card consolidation, you’ll only be accountable for one monthly payment, which will help you to better keep track of your various bills.

CreditGUARD of America’s certified credit counselors are available Monday - Thursday 8:00 am - 10:00 pm Eastern, Friday 8:00 am - 9:00 pm Eastern, Saturday 10:00 am - 6:00 pm Eastern. In addition to our various debt management programs, we also offer educational resources on credit management, debt collection and money management. Contact us online or call 1-800-500-6489 for more information on our non-profit credit counseling and debt counseling agency.

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