CCCS of Southwestern Virginia counselors, your preferred choice when seeking credit card debt elimination, can help consumers trim their expenses, develop a workable budget, lower their debt payments and repay debts. Consider the following to avoid credit card debt or to go through a credit card debt elimination process.

Fees
While comparing annual fees may be simple, other fees are less obvious. For example, be sure that you know exactly when late fees are assessed. Many cards charge a late fee if you are only one day late. Other fees to investigate include cash withdrawal fees, balance transfer fees and over-the-limit fees. If you are overwhelmed with fees, contact us for credit card debt elimination.

Grace Period
The grace period is the amount of time you have until interest starts accruing. For example, if your grace period is 30 days, you will not be charged interest for the 30 days after the purchase date. A grace period only applies if you do not carry a balance. Most credit cards do not give a grace period for cash advances and balance transfers.

Minimum Payment
According to the Consumer Action survey, the average minimum payment on all surveyed cards is 2.38 percent, with many lenders requiring only 2 percent payments. While this may sound good to cash-strapped consumers, it can easily lead to trouble. If you want to be debt free, contact us for credit card debt elimination.

If credit card debt elimination is your goal, contact us now. The experts at CCCS of Southwestern Virginia have 20 years of experience in helping consumers eliminate credit card debt.

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