Resources to Manage Credit Card Debt

Even in the best of times, juggling credit card debt can be challenging. If you’ve recently had a change in income or face unplanned expenses, it can be even harder.   

Another common situation – a gradual increase in credit card balances over time with high-interest rates and the ability to make only low minimum payments each month. Perhaps your cards are maxed out, and you are experiencing calls from collection agencies.  

Information About Credit Card Debt

Smart Credit Card User

Using Credit Cards Wisely

Credit cards are important tools for people, and using credit cards wisely is part of financial wellness. Credit cards can help you pay for household and personal expenses. Careful use of a credit card can improve your credit score. View a video highlight for more insight.

Credit Report Review

Review Your Credit Report

What is your credit report and why is it important to check? When managing credit card debt, monitoring your credit can alert you to errors, protect you from fraud, and provide you information to strengthen your credit score.

How Is Credit Score Calculated

Calculate Your Credit Score

Ever wonder how your credit score is calculated? It is a common question and can be helpful to explore. An informative video shows how your credit score is calculated using five major components, with varying levels of importance.

Information About Debt Management

Debt Management

What is a Debt Management Plan

Even if facing challenges, you have an opportunity to pay off credit card debt and build a healthy financial life with a debt management plan. See how to begin a conversation about where you are today, and get the information to accomplish your goals.

Debt Management Calculator

Debt Management Calculator

Credit card debt can feel overwhelming. Your current interest rate, monthly payment, and financial situation will all affect how quickly you can pay off your debt. Use this debt management calculator to see what you end up paying overall.

Benefits of a DMP

Is a Debt Management Plan Right for You?

As a national nonprofit focused on financial wellness, professional and compassionate financial experts are here to talk with you. Watch this video to learn about options for your debt management plan, with a clear path to get out of debt.

Information About Managing Money and Credit

Smart Credit Card User

Get Smart About Credit

If you are dealing with credit card debt, you aren’t alone. Paying off your balances is possible with a little planning. In fact, a plan can go a long way toward achieving your financial goals. See 7 tips to address and manage credit so it works for you.

Is a Cash Advance for You? 

A credit card cash advance is tempting, especially in the face of unexpected emergencies. Cash advances can be convenient but it’s important to understand the downside. Read about the key considerations before taking a cash advance.

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Spending Plan Worksheet

Figuring out where your money goes is a great step toward financial freedom. And it’s a good way to manage credit card debt. Get a Spending Plan Worksheet to help you understand monthly budgeting, and how to plan to meet financial goals.

Ready to take the first step?

A debt-free you begins with us. Submit the following to receive a call from GreenPath.

REQUEST A CALL

On-Demand Webinars for Managing Credit Card Debt

Debt

Options for Dealing with Debt

Most people have challenges with managing debt at some point. There are proven options to pay debt off faster, save money on fees and interest, and make progress toward financial fitness. The webinar provides information so you can make strong decisions about your future.

Credit Report Webinar

Learn About Credit Reports, Scores

An informative, on-demand webinar helps people read a credit report and understand what a credit score means. Get answers to frequently asked questions. Is there a “perfect” credit score? Why do a few missed payments drop my score so quickly? If I close my credit card will it hurt my score?

The Psychology Of Why We Buy

The Psychology of Why We Buy

View an on-demand webinar to understand why it’s easy to overspend. Understand how advertising, spending habits and social factors influence us, while shopping online or at the mall. Learn why we buy things and how to create new habits to resist temptation.

Your Action Plan

As you research how to manage credit card debt, keep in mind educational resources and debt management counseling available to you from GreenPath Financial Wellness.

As a national nonprofit, a caring counselor is ready to assess your credit card debt situation, understand your goals and create an action plan to be debt-free.

Since 1961, GreenPath is a trusted resource for thousands of people looking to manage credit card debt. Counselors discuss your entire financial situation with you and help you develop a personalized plan to solve your money problems. An initial counseling session typically lasts an hour, with an offer of follow-up sessions.

It Starts with a Conversation

Connect with a caring, certified GreenPath financial counselor for a free counseling session to understand:

  • How to pay down debt
  • Steps to rebuild credit history
  • Tips to create a savings strategy