There are lots of "introductory specials" for new credit cards. Chase, Discover, and others all offer them. It's not likely that she'll get one with a $20k credit limit though, if she doesn't have the kind of job where she can pay that $20k off within the first year (and not add new debt to the mix). What she might try to do - is get two brand new cards with the 0-percent intro rate, with a 1-year minimum window for that special. Transfer $500 less than the max on each card, whatever that max is. So if the credit limit on card #1 is $8000, then transfer $7500 to that card. If the limit is $3000 on card #2 then transfer $2500 to that card.
Then call the current card's bank, tell them you want to put a hold on the card so NO new purchases can be made on it, and ask them if they'd work out a no-interest deal to pay off the balance.
Then pay THAT card off ASAP, whatever the balance is after you transfer to the other new 0-interest cards. Meanwhile, pay the minimum on each other other two new cards.
Use only one of the new cards for new purchases - groceries, gas, and that's it. Don't even think about buying new underwear until the original credit card is paid off in full AND completely closed.
Once that original card is paid off, double, triple, or even quadruple the minimum payments on each of the new cards for a couple of months. If the minimum is $50, then pay $200 on each if you can. This should allow you to start saving a little - so that in a couple of months, you can start paying down MORE every month. And every few months - pay more, and more, per month - to hopefully get the full amount of the original debt paid off in full.
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