When I got my first credit card, I was so excited that I wanted to pay everything that I need through it though I have cash. I seemed to be able to handle things at first but after few months I lost control of my spending. I have been spending beyond my earnings. Since I was very busy during those days, I was not able to check my credit score. It was so bad that after about a year my credit score has gone low.
I started to hold things up. I began to live a very simple life trying not to spend a penny a day but it still didn’t work. I needed to ask for help. I started to look for solutions online and it seemed that I get no answers from forums and other group discussions until I decided to search for possible credit counselor or credit counseling service in my area. I was so happy that they were able to help me even though I was not talking to them in person. They helped me through the process online and everything seemed to work like magic.
My credit counselors worked with me in creating a working debt management plan and they also negotiated with the creditors to ensure that I could really pay on time and that I would not be paying the compounded rate that I was supposed to pay. The main thing that must be checked out when looking for a reliable credit counselor is to look for some companies or organizations that have good reviews and have been known for the services that they offer. They may be a bit expensive at times but they are worth the price.
Consequently, everything that failed should be a lesson learned and never go back to the same experience again. Experiences of other people can be a good guiding lesson that we must follow. Had I read about handling credit cards wisely before, I may not fall into this problem. But anyhow, I really learned a lot from it and I wanted to share the same experience that more people may avoid what had happened to me. Furthermore, I would just like to say that seeking help from credit counseling service really works most of the time!