Final 12 months we have been slammed with monetary disaster after monetary disaster and went into debt. Dragged ourselves out of the opening and paid off two care bank cards for a complete of about 20k. The final debt I’ve to sort out is one bank card with US financial institution that has one other 18k on it. Earnings is okay, we’ve made 3k of progress on the cardboard this final month, however I get pulled down by curiosity charges. I’ve heard just a little bit about debt transfers and don’t know find out how to go about it. I attempted to use to 1 a few months in the past and naturally received declined. My credit score rating is within the 680s, the bottom it has ever been, however not what I believe is a nasty rating general. How can I repay this debt quicker and smarter when I’m not allowed to open new playing cards? What else can I be doing?