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Such cards have an introductory 0% interest rate, which increases after a promotional period, usually no more than 21 months.

A personal loan offers some advantages over balance transfer cards.

Fixed payments ensure you’ll pay off debt on a set schedule.

Other options for borrowers with bad credit include secured or co-sign personal loans.

Some lenders say they have no minimum credit score requirements, but that does not mean they don’t check your credit report.

I like that the natives aren't only being portrayed as nature loving hippy victims.

It's a mildly accurate and semi-realistic portrayal.

Your credit scores can take a hit if you use all or most of the available credit on your cards.

A personal loan balance is reported as installment debt, which is treated differently in credit scoring formulas than revolving debt such as credit cards.

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