Credit Card Debt :Quick Guide to Eliminate Credit Card Debt
4.3 (17 ratings)
Course Ratings are calculated from individual students’ ratings and a variety of other signals, like age of rating and reliability, to ensure that they reflect course quality fairly and accurately.
2,054 students enrolled

Credit Card Debt :Quick Guide to Eliminate Credit Card Debt

Freedom from Credit Card Debt : A Realistic Guide On How To Eliminate Credit Card Debt, for Good.
4.3 (17 ratings)
Course Ratings are calculated from individual students’ ratings and a variety of other signals, like age of rating and reliability, to ensure that they reflect course quality fairly and accurately.
2,054 students enrolled
Created by Brian Cliette
Last updated 12/2018
English
English [Auto-generated]
Current price: $11.99 Original price: $94.99 Discount: 87% off
2 days left at this price!
30-Day Money-Back Guarantee
This course includes
  • 1 hour on-demand video
  • 32 articles
  • Full lifetime access
  • Access on mobile and TV
  • Certificate of Completion
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What you'll learn
  • You will learn how to establish a reasonable monthly budget that will allow you to cover all your necessary expenditures and still have money for entertainment as well as save for retirement or education.
  • You will learn to understand the process of credit card consolidation to help pay off your debt.

  • You will learn the differences between consolidation and bankruptcy and the benefits of both.

  • You will learn about government grants for debt forgiveness and how they can be used to help pay off debt.
  • You will learn how to set up a monthly budget and use cash instead of credit cards
  • You will learn the benefits of using a debit card rather than a standard credit card
  • You will learn how to delay instant gratification and save for major expenditures such as big-screen TVs rather than putting them on a credit card and indulging instant gratification.
  • You will learn how to find a bank with the best interest rates and benefits for the one credit card you keep for emergencies.
Requirements
  • A basic understanding of how Credit Cards work
Description

Updates:

LATEST: Course Updated Again for December 2018

Starting in the 1980s credit cards became the preferred payment method of most American shopper ís credit card to give shoppers a sense of power, entitlement, and instant gratification as well as the feeling that they won't need to worry about their bills. 

At least not until the end of the month. This living like there ís no tomorrow. This Way of thinking made sense when credit cards first came on the market as a mainstream payment method because the world was engaged in the Cold War and everyone felt as though the world was going to end tomorrow so they should live in the moment and have everything they desired and not worry about spending and debt because there would be no one there to collect, unfortunately, that way of thinking did not work because the Cold War never went hot and there was a tomorrow and credit card companies wanted their money and many people got further and further into debt trying to pay off their credit card bill. 

So much so that they started using one credit card to pay off another which only served to increase their debt and thanks to the magic of technology and shopping over the Internet and the ease with which someone can apply for and acquire a credit card credit card to have become more ubiquitous than ever. Most people these days. Under the age of 35. 

Dont even carry cash on a regular basis and everything they need on a monthly or daily basis is paid for with the use of a credit card (most likely several credit cards) which only serves to feed the cycle of debt.
 
If however you are sincere about getting out from under credit card debt and saving money for necessary expenditures like college for yourself or your kids, and retirement, then this is the cross for you. This course will teach you not only how to get out from under the burdens of credit card debts once and for all, but also how to set up and stick to a monthly budget for all of your necessary (and sometimes unnecessary expenditures) so that you can live a debt-free and happy life.

What you will learn:
 
1)   You will learn how to establish a reasonable monthly budget that will allow you to cover all your necessary expenditures and still have money for entertainment as well as save for retirement or education.
2)   You will learn to understand the process of credit card consolidation to help pay off your debt.
3)   You will learn the differences between consolidation and bankruptcy and the benefits of both.
4)   You will learn about government grants for debt forgiveness and how they can be used to help pay off debt.
5)   You will learn how to set up a monthly budget and use cash instead of credit cards
6)   You will learn the benefits of using a debit card rather than a standard credit card
7)   You will learn how to delay instant gratification and save for major expenditures such as big-screen TVs rather than putting them on a credit card and indulging instant gratification.
8)   You will learn how to find a bank with the best interest rates and benefits for the one credit card you keep for emergencies.

My Guarantee:

I'm so confident that you're going to love this course and find a tremendous amount of value in it, that I guarantee that if you're not 100% satisfied, that I'll give you a full refund within 30 days of your purchase.

This course could easily sell for hundreds of dollars. I personally know of  Debt Consolidation Experts out there who are charging hundreds, even thousands of dollars for a fraction of the information contained in this Udemy Course. And they charge that for a simple 1hour call

As with all my courses:

  • The initial low price will increase shortly - the course is currently $ 150, but will next increase to $ 250

  • You have unlimited lifetime access at no extra costs ever !!!

  • All future additional lectures, bonuses, etc in this course are always free

  • There's an unconditional, never any questions asked full 30 day money back in full guarantee

  • My help is always available to you if you get stuck or have a question - my support is legendary in Udemy.

PSS: Do you really want to be Debt Free ? Do you really want to enjoy the full benefits of  re-building your credit?

PSSS: It will take some trial and error. It will take perseverance. But if you can honestly answer “Yes" then there is no reason why you can't start building some serious"  credit card debt reducing skills ".

This will be a truly interactive course with additional bonus routines added over the course of the first year, inspired by the feedback from students.

Click the "Take This Course" button, on the top right because every hour you delay is costing you "    ".....Scroll up and Enroll Now!



Who this course is for:
  • The ideal candidate would have a desire to change their current financial situation, learn how to eliminate Credit Card Debt
  • This class is not meant for anyone looking for a quick fix to their credit woes
  • Anyone with a Credit Card and a Large Sum of Credit Card Debt
Course content
Expand 37 lectures 02:16:29
+ Becoming a Credit Card Champion : Learn to Eliminate Credit Card Debt
37 lectures 02:16:50
Understanding the Consequences of Credit Card Debt
20:01
Resolving Your Debt without Destroying Your Credit Score
13:42
Learning to Delay Instant Gratification
17:02
The Art of Saving Money
07:46

Credit card debt can be worrisome, as it seems to accumulate month after month. Paying down the debt and getting rid of it quickly are essential to letting go of the stress and letting go of the debt.

Five Ways to Help You Quickly Eliminate Credit Card Debt
01:53

Get out of debt? How to get out of debt and stay out of it is not as complex as it may appear to be. The problem is that when you're in a debt situation it can eat away at your very soul. The feelings of anxiety, pain and confusion are pretty hard to deal with and can lead to serious problems and ill-health.


Reduce Credit Card Debt and Eliminate Debt Easily
01:14

Since this is a society that has wholly become dependent on credit cards, it is impossible for most people not to have some kind of credit card debt. And with unpaid balances come higher interests rates and late and over-the-limit charges. Debt consolidation, undoubtedly, has come out as the most popular route for taking care of debt.


Settle Your Credit Card Debt With Debt Consolidators
00:55

There are way too many people that have recently become unemployed due to our great recessionary times but they still have debt that must be paid. One thing that they need is debt relief. Follow our short survival guide for help with your out of control credit card debt.

You have several available options when it comes to debt relief for the unemployed and help for managing your debt. The first tip in our survival guide is to decide what action to take and find a solution from your out of control credit card debt.


Survival Guide For Out of Control Credit Card Debt
01:12

There are way too many people that have recently become unemployed due to our great recessionary times but they still have debt that must be paid. One thing that they need is debt relief. Follow our short survival guide for help with your out of control credit card debt.

You have several available options when it comes to debt relief for the unemployed and help for managing your debt.


Debt Relief For the Unemployed - Guide For Out of Control Credit Card Debt
01:40

Having too much debt seems to be a problem that a lot of people today are facing. Debt can be crippling because, the deeper you get into it, the harder it is to get out. The problem is compounded by the fact that having a lot of debt, especially unsecured debt like credit card debt, is more expensive if you have a bad credit score.

If your debt situation is particularly severe, you may be asking yourself how you can get rid of debt. The first thing to do to get rid of debt is to admit that you are facing a serious problem that needs your full commitment in order to resolve it. Here are steps to being debt-free:


How To Achieve A Debt Free Lifestyle
02:38

Are you in search of ways that will lead you towards the path of relief in credit card debts? You are not the only one who is this search; many other people are also doing the same thing. Due to the recent bang of recession, many people are suffering from the burden of unsecured plastic money debts. Since the unemployment level has increased, people are obliged to use plastic money to meet their ends easily. No doubt that the use of credit card is good but only at certain limit. if the person uses the card extensively,then the end results will be in form of massive credit card debts. At this stage, majority of the people think that filing for bankruptcy is the best option because in this way will be able to come out from the pool of unsecured credit card debts in no time. These days, many debt relief options are available in market and among all these, three choices i.e. credit management, debt settlement and debt negotiation are simply considered the best to bring reduction in the amount of unsecured credit card debts.


3 Debt Options That Could Reduce Your Unsecured Credit Card Debt by Thousands
01:04

Many of the people who are not in debt think that those who are in debt got there because they were living lavish lifestyles that they couldn't afford. While that may be the case for some people who are in debt, it is not the case for the majority of people who are in debt. Most people who are in debt got there because they were using credit cards to try to meet their normal living expenses - just trying to survive. No matter how your debt occurred, you can get debt relief and benefit from debt relief counseling online.

When you look online for debt relief help, you will find two different types of companies. One is a non-profit company. This type of company does not charge for their services, and their primary service is to help you control your spending, to make a budget, and to take better care of your money. They will also advise you on various ways to reduce your debt, but in most cases, they will not provide any debt settlement or consolidation services to you.

Debt Relief Help - How to Find Free Credit Card Debt Relief Counseling Online
00:43

The number of people faced with huge debt problems has reached record number in recent years. They are burdened by mountain-high debts with several creditors. This has resulted from the economic recession that struck our country and need help.

Because of the lack of financial means, people depended solely on their credit cards and this grew rapidly over. But unlike the previous years, the consumer's debt has compounded into a huge problem, more than what they can actually handle. Since the economic climate needs years to stabilize, people had no choice but to resort to any means of getting out of their financial dilemmas. Bankruptcy and legal debt options have become very common and are still a continuing trend until this time but are not the best way to eliminate credit card debt fast.

Eliminate Credit Card Debt Fast - How Quickly Can I Eliminate My Debt
01:29

Before you can really start to make real money, you will have to deal with the debt you might have accrued through earlier borrowings. Most people get themselves into financial difficulties through, borrowings made on credit cards. This is the primary product used by the banks to create debt in peoples lives, the interest on the capital borrowed that this creates for the banks, can keep people in debt for their whole life. Injudicious use of credit cards is promoted by a constant bombardment through the media of a buy now pay later philosophy, A constant call to our egos, that stokes discontent within lives. If you don't have money you cannot have respect, without these material possessions, the money,the girls, the cars, you are nobody. With this continual disparagement, we compare ourselves to others and begin to believe, that we deserve all sorts of things that others may have had to pay a heavy price to obtain.

Credit Card Debt - How to Manage It
01:44

These days, it s not uncommon to find people who owe thousands of dollars in credit card debt. Over the past decade, credit was easy to come by and many Americans would make charges to their cards without fully realizing negative effects. In fact, credit card debt in America is so bad right now that it is reported Americans typically owe somewhere in the vicinity of $8,000 in credit debts. Stories of people who have owed $20,000, $30,000 or even $50,000 is not unheard of, either. If you re facing a similar situation, you need to develop a plan to get yourself help quickly. As the story goes, lots of people fail to take action and have to live with the consequences. Don t let this happen to you act now to address your debt.

How to Pull Yourself Out of $10,000 Or More in Credit Card Debt Quickly
00:45

We are aware of all of the irresistible impulses of reckless spending in the present-day American lifestyle. We are overloaded by commercials and advertisements showing all the alluring and must have items, and the shinier and pretty customized credit cards with which we purchase all those products. With this combined temptation, it is no wonder we are unable to resist costly shopping excursions. As explained by a growing number of top economics, the issue with the American economy has been an overreliance on consumerism to combat our declining manufacturing base and propel the stock market upward. As a result, the dangers of loosening credit standards and the resulting abundance of available credit were summarily ignored and the use of credit was actually promoted. Like death and taxes, credit card debt became accepted as an unavoidable fact of life.

The Truth About Using the Recession to Eliminate Credit Card Debt
02:28

For those who have massive credit card debts under their belts and would like to see that amount dwindle away to nothing, there are quite a number of ways to reduce credit card debts. Well there are two most important things of course such as you having both the commitment and willingness to see that the problem gets solved. This also helps reducing credit card debt so much easier in the process.

A lot of people have been buried by mountains of debts and are looking for quick ways to reduce it and be done with financial problems forever. Especially since the amount you pay every month doesn't seem to make any difference whatsoever in the total amount that is due. No thanks to surcharges and late fees.

Reducing Credit Card Debt - Tips on How to Reduce Credit Card Debt
01:42

What is the cascading debt elimination system? It is a system that will help you get rid of your credit debt faster than you thought possible while at the same time saving you so much money in interest payments. The good news is, you can apply this system to your outstanding debt yourself without relying on a company to help you. How?

Cascading Debt Elimination System
00:54

Debt settlement is a legal agreement between a debtor and a creditor where a portion of your debt (usually credit card or unsecured debt) is simply "forgiven." Settling "bad debt" is actually the best way for creditors (credit card companies, banks and debt collectors) to get the most money from consumers in financial hardship, which is why debt settlement works so well.

Is Debt Settlement Morally Wrong?
05:15

It seems like everyday now that we learn about a government sponsored bailout of another major corporation. Many smaller businesses, as well as individual people, are left asking where is their bailout from the unscrupulous lending practices of the banks and credit card companies.

In recent years, consumers have been encouraged to use their credit cards for everyday purchases, including groceries, fast food meals, and even the morning cup of coffee on the way to work. All of these purchases, plus the interest and fees added on, have only built up a vast pile of debt for the average cardholder

A Bailout to Eliminate Credit Card Debt
01:38

These days, the technology is becoming vast. Many innovations have marked a totally new history on how things work. Same is with the capital market. The use of plastic money is increasing day by day. The main reason why this is happening is that people are using credit cards because they feel quite convenient using them. As compared to the normal paper money, there is no such complexity in handling this plastic money. Because of the regular and excessive use of the plastic money, these people are now under massive debts. These days, Credit card debts have become a rising problem among the consumers. Now these people are going towards legitimate credit card negotiations to get rid of their loans. Now it is possible to eliminate these bad credit card debts by the help of the new credit card negotiation laws introduced by the FTC.

Credit Card Negotiation - A Guide to a Lower Credit Card Debt Payment
00:56

Credit card debt is a major problem for the average American and is responsible for most bad credit histories and low credit scores. Many are embarrassed of being buried so deep in debt and don't want to resort to counseling or debt elimination services. For those in these situations, personal loans can be an option to stop the debt madness.

Personal Loans To Eliminate Credit Card Debt
01:54

Remember when you were young and so excited when you got that first credit card in the mail? Getting a credit card is almost a right of passage in today's society, and lots of people can remember the feeling of power and exhilaration they got when they were able to score that first little piece of plastic. In fact, having a credit card really is almost a necessity if you are going to build a good credit score and have the buying power you want when it comes time for major purchases such as a car or house.

How to Eliminate Credit Card Debt and Feel Liberated!
01:46

This article discusses credit cards - understanding credit card debt, cash advances and balance transfers.

As amazing as it seems, most people do not understand credit card debt. They see a refrigerator and they think - oh, it's only $10 a month for the refrigerator. We can afford that can't we? They don't think in terms of how much money is on their credit cards as a total amount. They just see it as another sum of money they will have to come up with each month, and while $10 a month more may sound reasonable and doable, that $10 a month, added to what they already owe, may tally into the thousands of dollars.

What they also may not understand, is that $10 a month is going towards a $700 refrigerator - by the time it's paid off, they would have been able to buy 3 refrigerators for all the finance charges they had to pay over the years.

Credit Card Debt - Understanding it and Tips to Eliminate It
07:50

Many people in Singapore hold multiple credit cards at the same time as each card has its own unique benefits. Under such circumstances, people can potentially fall into a debt trap as he/she owes money to several creditors. There are multiple payments and due dates to keep track of, and the non-stop reminders about unsettled balance only adds to the tension. As you fall behind the due dates of making the payments, your debts will only become larger. One of the way out from this debt trap is having a personal loan known as Debt Management Plan or DCP.

Reasons Why Shouldn't Use A Personal Loan To Pay Off Your Credit Card Debt
02:28

Every month thousands of Americans are forced to stop paying credit card debt simply because they are out of money. Half a million people in the US lose their jobs every month due to the deepening depression and it becomes a choice of food and shelter or make a credit card payment.

If you can't pay credit card debt, then what are you to do? First, you must completely change your thinking from "traditional economy" to "depression era" survival mode. Once upon a time, you had great credit, paid your bills on time and planned to live happily ever after.

Stop Paying Credit Card Debt and Stop Worrying About It
01:51

Credit Scores. It can be one of those touchy topics depending on how you see it. Your score can take years to build up and just months to destroy. We've all suffered from credit mishaps; from forgetting to make a payment to utilizing all of your credit. Sometimes, a bad score can be result of something out of our control- divorce, medical bills, and bankruptcy. Simply, maintaining your credit is a way of life. Since almost all big purchases require credit, A low score will make everything more expensive. You'll have to pay a higher interest rate on loans over time.

4 Quick Tips to Improve Your Credit
03:06

You eliminate credit card debt by paying off your credit card balances.

You can make the minimum payments (about 4% of your debt or $10, whichever is larger). But, if you only make the minimum payments, and don't charge anything new, it may take 14 years or more to eliminate your credit card debt. The length of time largely depends on the interest rate you are being charged.

The ideal solution is stop charging things to your cards and pay more than your minimum payment each month to eliminate your credit card debt faster. People typically decide how much extra they can pay beyond the minimum required payments. Then, they pay that amount every month until they have completely eliminated their credit card debt.

Eliminate Credit Card Debt - 3 Methods Compared
02:56

Did you know there is free money available to help you pay off your credit card debt? You're probably thinking, "yeah right, what's the catch?" The catch is you have to know where to find it and ask for it.

What if I told you not only is there free money to pay off your credit card, but also cash you can receive to pay your utility bills, reduce your mortgage, and even give you down payment money to buy a new home? Would you believe it if you heard that you can get $50,000 in free money to start a home based business?

These programs have been around for many years, but at this moment the government is flushing more and more money into these grant programs in order to keep America running. Our economy is at risk, and so is the American competitive edge, and the government is doing everything they can to keep the system running smoothly.

Free Money to Pay Off Credit Card Debt
00:42

Credit card debt is the most cunning financial adversary you will ever encounter. Many credit card companies use enticing promotions to lure consumers by increasing credit limits and offering pre-approval. All of these strategies and tactics attempt to install the habit of spending now and paying later.

Unfortunately, many people don't realize how destructive credit cards can be until their payments become the largest part of their monthly budget. Credit card debt, as a percentage of income, has been on the rise for the past two decades.

Here is an excellent way to start paying offer your debt using a systematic and proven approach. I call this approach the Debt Elimination Pyramid.

How to Completely Eliminate Your Credit Card Debt Fast
01:28

Are you floating into the sea of credit debt trap? Well, you need to know that you are not alone in this but there are several Americans too who are facing the same kind of problem. Such situations are increasing because you are forced to swipe your credit cards due to insufficient money. Besides this, if you aren't employed in a good firm, then you are not making good bucks for sure. Also, using the plastic money too frequently and spending beyond your means will lead to unnecessary debt problems. Do you want to overcome your debt problems? If yes, then what are you waiting for? You may take the help of a good lawyer and ask him to help you with the credit card payments. They may even help you with your rights and draft a suitable repayment plan so that you can get rid of debt problems soon.

Solve Your Credit Card Debt Problems - Seek Help of a Good Credit Attorney
01:38
How can I pay outstanding debt?
01:02
What are the best strategies to get out of credit card debt?
01:21
I have large credit card debt that I cannot pay, what happens if I don't pay?
03:19

Credit card debt is the most cunning financial adversary you will ever encounter. Many credit card companies use enticing promotions to lure consumers by increasing credit limits and offering pre-approval. All of these strategies and tactics attempt to install the habit of spending now and paying later.

Unfortunately, many people don't realize how destructive credit cards can be until their payments become the largest part of their monthly budget. Credit card debt, as a percentage of income, has been on the rise for the past two decades.

Debt Elimination Pyramid: How to Completely Eliminate Your Credit Card Debt Fast
01:39

Christmas and holiday spending can be brutal on any household budget, considering most families significantly overspend during the holiday season. It is estimated that the average American household has more than $8000 in credit card debt. After all the fun and festivities are over, you should take control of your household budget and expenses. Unfortunately, one of the biggest yet most controllable expenses for most individuals or households is their revolving debt. The payments may not only handcuff your spending ability, but they can limit your financial options to purchase a car or house. In order to escape from the trap of credit card debt, you will need to determine the best way to pay down and eliminate your debt. The following is a list of suggestions on how to pay down your debt and improve your financial situation.

How to Pay Off Credit Card Debt Quickly
02:19