Debt and Balance Transfer
Posted in the Credit Card Debt Forum
#1 Oct 16, 2012
Last year was a rough year, my credit score was 750+ and is now below 600. I lost a job / got another took a paycut. I have since got a new job and slowly climbing out of the deep hole. I've never been so poor in my life. I am living paycheck to paycheck trying to pay off debt.
I am current on all of my bills finally, and here's my situation.
I owe the IRS $6000, I have a chase cc with a $6000 balance at 17%
I have nearly paid off my Bank of America and FIA Card - both have under a $200 balance. FIA card I've had for 5 years, 5000 limit they lowered to $500 - never had a late payment or a high balance more than a month. That hurt me.
Currently I am paying the IRS more than the credit card because they have more power and they are the devil. My chase card I am making near minimum payments on but the interest is so high it kills my payment.
So I can catch up on the IRS which I plan to have paid off by March or April, in the mean time I want to do a balance transfer of my chase card so I can focus on 1 debt. If I do a balance transfer will they close my card or ruin my limit?
What is everyone else s opinion on this or how would you recommend I proceed?
#2 Mar 26, 2014
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