I have a crazy high percent apr for my stupid credit card?

my credit card has interest rate of 20%; i will be in so much debt if i dont pay back everything, however i dont have enough money. is there a way to pay back most of it and pay the rest next month without paying interest?

I have a crazy high percent apr for my stupid credit card?

yes.

If you have half this month and will have half next month, apply for another card and request a balance transfer.

If you are approved the transfer will be like a payment so the entire amount will be paid off on this credit card. Then the amount that was transfered will be the balance of the new account. you pay that off next month

now be sure to find a card that has FREE balance transfers

for this to work

I have a crazy high percent apr for my stupid credit card?

depending on how good your credit is and how much you%26#039;ve paid already, you can call them and ask for them to lower your interest rate.

I have a crazy high percent apr for my stupid credit card?

Get a second job.

I have a crazy high percent apr for my stupid credit card?

most card companies require the balance paid in full before on or by the due date to avoid finance charges. however by paying the balance down- your finance charges the next month will be less. if you still want a credit card find one that offers 0% on balance transfers, and a better rate after the promotion period.

I have a crazy high percent apr for my stupid credit card?

Even with a 20% interest rate on a balance of 10,000 that would only equal $250 in interest if you didn%26#039;t pay the whole balance off this month. I doubt you charged $10,000 so chill, pay what you can this month and pay the rest + interest next month, this will actually improve your credit so you can get a better interest rate in the future.

I have a crazy high percent apr for my stupid credit card?

they way my dad did it was fairly simple. Find a credit card or a bank that will offer you a lower apr. open an account with them and transfer the balance. With the new APR, you will have longer to pay off the balance with the lower apr. Also, having a few accounts open and payed off will help your credit score. Just do a little looking around and checking with a few places. Its not to hard. My dad took control of 15k debt in 2 years with almost no interest accrued. Good luck.

I have a crazy high percent apr for my stupid credit card?

Most of the answers above are good, but the credit companies seem to have stopped offering free balance transfers. Most seem to be asking for about 5% of the transfered amount, which would be like paying your 20% APR on the full amount for 3 months or on a declining balance for about 6 months. Paying off the present card over 5 months will cost you less than transfering the balance to a 0% card with a 5% transfer fee.