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So, in addition to considering the entities that herein offer some financial alternatives for , here are some ideas as to putting your financial house in order. 'Credit card debt is the worse'. Why? Because it carries one of the highest legal interest rates and if you pay the minimum balance due - it will take decades to pay off what you owe. Spend on essentials before you spend on 'goodies'. Once you know you have met your basic needs on a cash basis, you can then purchase the fun stuff so long as you don't go into debt. Savings is as essential as 'bread and butter'. Regular payments into a savings account will help your long-term security. With both good budgetary discipline and financing alternatives at reduced interest rates, your concerns or questions about bank one credit could resolve.
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