If you’re reading this, there’s a 50% chance you have credit card debt — nearly half of U.S. adults do. And if you don’t pay it off every month, you’re draining your bank account with unnecessary — and terribly high — interest payments.
And the truth is, your credit card company doesn’t really care. It’s just getting rich by ripping you off with high interest rates — some up to a whopping 36%!
But there are four (legal) ways to escape it…
1. Ask This Website to Help Pay Off Your Credit Cards
No, like… the whole bill. All of it.
While you’re stressing out over your debt, your credit card company is getting rich off those insane interest rates. But a website called Fiona could help you pay off that bill as soon as tomorrow.
Here’s how it works: Fiona can match you with a low-interest loan you can use to pay off every credit card balance you have. The benefit? You’re left with just one bill to pay every month, and because the interest rate is so much lower, you can get out of debt so much faster. Plus, no credit card payment this month.
Fiona can help you borrow up to $250,000 (no collateral needed) with fixed rates starting at 2.49%.
Fiona won’t make you stand in line or call a bank. And if you’re worried you won’t qualify, it’s free to check online. It takes just two minutes, and it could save you thousands of dollars. Totally worth it.
All that credit card debt — and the anxiety that comes with it — could be gone by tomorrow.
2. Pay Off Your Debt by Playing Bingo
Wouldn’t it be nice to to make an extra credit card payment this week?
Get this — there’s a free app called Bingo Cash that pays you up to $80 when you win bingo.
The game is based on a classic Bingo format — plus tons of variations on the game. You’ll battle it out against other players at your same skill level. Everyone gets the same board and sees the same Bingo balls, so winning is totally a matter of skill. The top three players in a game can win real money — anywhere from $1 to $80.
Over on the App Store, it has a 4.7-star rating (out of 5).To get started, just download the free app and start playing your first game immediately.
3. Get a Free $225 Just For Watching Cooking Videos
If we told you you could get free money just for watching videos on your computer, you’d probably laugh.It’s too good to be true, right? But we’re serious.
A website called InboxDollars will pay you to watch short video clips online. One minute you might watch someone bake brownies and the next you might get the latest updates on Kardashian drama.
All you have to do is choose which videos you want to watch and answer a few quick questions about them afterward. Brands pay InboxDollars to get these videos in front of viewers, and it passes a cut onto you.
InboxDollars won’t make you rich, but it’s possible to get up to $225 per month watching these videos. That’s money that can go right towards your debt! It’s already paid its users more than $56 million.
It takes about one minute to sign up, and you’ll immediately earn a $5 bonus to get you started.
4. Get a Free $83 for Winning a Game of Solitaire
Lots of us already play Solitaire on our phones for fun or just to pass the time. Want to see if you can win money at it?
There’s a free app called Solitaire Cash that pays up to $83 per win — that’s an extra credit card payment!
You might be thinking: There’s got to be a catch. This is definitely one of those spammy apps, right?
Wrong. There really isn’t a catch. Sure, you can pay to play in some higher-stakes tournaments, but there’s no pressure. And, in fact, there aren’t even any annoying ads.
With each game, you’ll battle it out against at least five other players. Everyone gets the same deck, so winning is totally a matter of skill. The top three players who solve the deck fastest can win real money — anywhere from $1 to $83.
Over on the App Store, it has over a million downloads and more than 15,000 ratings, averaging 4.7 stars (out of 5).
To get started, just download the free app and start playing your first game immediately.
5. Don’t Pay Your Full Credit Card Bill
Here’s the deal: Your credit card company is ripping you off with insane interest rates. What if you could just… get rid of some of your debt?
A company called Freedom Debt Relief can help you do just that. They’ll talk to your lenders directly to convince them to reduce a big chunk of your debt.
They’ll negotiate a settlement with your creditor and if you approve the offer they come back with, you’ll start paying it off. But you don’t owe anything unless they negotiate a settlement and you make your first payment toward that settlement.
They’ve already served over 800,000 people and negotiated more than $15 billion in debts.
It’s free to see just how much of your debt you can get rid of.