When considering credit card debt negotiation, your best source for help is CCCS of Southwestern Virginia. Our counselors can give you valuable assistance for credit card debt negotiation. If fact, we are a great source for credit card information in general. For instance, here are some factors to consider when choosing a credit card.

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 need assistance with credit card debt negotiation, please contact us.

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. Contact us to learn more about credit card debt negotiation.

To visit with a trained CCCS of Southwestern Virginia counselor and learn more about credit card debt negotiation, call toll-free 1- 866-260-5994 - 24 hours a day, 7 days a week.

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