No matter how carefully you budget for Christmas – saving money all year, setting strict spending limits and seeking out bargains – it’s still all too easy to overspend. Lectures about not spending too much are all very well, but we all want to make sure our families enjoy the best Christmas possible, and this might mean turning to credit cards. If you have used credit cards and the bills are starting to come through the letterbox, then a credit card consolidation loan from PCCU can make repaying the debt much easier.
Getting carried away with credit card spending is something which is easy to do. You’re not handing over any money at the time, and repayments that are a couple of months away can feel as if they’re never going to arrive. If you’re now juggling several separate credit card repayment plans, or you’re finding it difficult to meet the repayments being demanded, then a credit card consolidation loan could remove the stress and anxiety you’re suffering.
A loan from PCCU is one which is given on an entirely ethical basis. We don’t have to make profits for external shareholders or fat cat bosses, any surplus money we do generate is used to benefit our account holders and the wider local community. Our ethical stance also means that we keep interest rates as low as we can and, unlike some other lenders, we offer the same interest rates to every account holder. On top of this is the fact that what you see is what you get – we never use hidden fees, charges or penalties.
A credit card consolidation loan will enable you to clear multiple debts at once and to relax in the knowledge that you now have just the one regular repayment to organise. Once you’ve provided us with all of the information we ask for we’ll come up with a decision as quickly as possible. When we can, we like to decide within a day, but it never takes us more than a couple of days. As soon as your application is approved the loan will be transferred to your account, leaving you free to clear your debts and stop worrying.
Throughout the process you’ll be treated as a human being rather than a number, dealing personally with members of our team who will answer any questions and deal with your application in a sympathetic and transparent manner. Put simply, a credit card consolidation loan is sensible lending, allowing you to clear your debts in an affordable and convenient manner, and placing the power in your hands rather than that of the credit card companies. If you’re juggling repayments or feeling swamped by high-interest rates then contact us today and find out exactly what a loan of this kind could do for you.