Advice on lowering credit card balances, increasing credit score, and/or getting a personal loan. May need a car soon
I have an Amazon Chase card with a balance of about $4,000. APR 19.49%
A Walmart card of about $3,400.
A Paypal of about $1,200.
Star Card (For use at military bases) $500
I would like to pay these off faster. I have already stopped charging to these cards. I have reduced my spending, and every time I buy something I use cash or my bank debit card to avoid adding to the cards.
Would it be beneficial to get a loan from a bank or online that I can put all these together and pay lower APRs? Or should I just work on paying the cards off as they are?
I would like to be able to get a car soon. My current one is 2001 with over 150,000 miles. It is running ok now. But I am worried that it may go bad at any moment and I would like to prepare.