I have exceeded my credit card limit

Jamaica
July 20, 2009 4:52pm CST
At present am owing $628.40 US on my credit card and I earn only $320 US per month, each month I pay like $90.00 US on the card but it still attract overlimit fee GCT and interest every month. I need an extra job online where I can generate enough money to repay my credit card because it is killing me. I don't need a job where I need to pay to sign because money is my main problem right now. Is there a kind person on this site who know of such job please let me know because am desperate and I don't like to owe money, or advise me as to what to do. Thank you very much.
1 person likes this
3 responses
@JOIEMARVIC (2335)
• Philippines
21 Jul 09
I feel for you. I had the same problem so i am working really hard to pay for my credit card bills. Do you still plan to keep the card? If not, ask the bank if you can close the accounts, cnvert it into a loan or a program where you can pay the amount plus interest in a monthly basis for a 2-4 years. The interest will be tremendous but the payment terms will be easier for you. That is my suggestion. Regarding on sites where you can earn extra. Try this site mylot, post parker and trekpay. Trekpay and mylot are proven sites where you can really earn. I am just trying out post parker now. It is a paid per post site. Good luck to you and I hope your finances improve.
• Jamaica
21 Jul 09
Am greatful for your ideas and I think am going to do what you suggested. Thank you very much
• India
25 Jul 09
This site might help you with your problems http://tinyurl.com/mtszqa
@chookie1971 (2271)
• Australia
20 Jul 09
I can't offer you any high paying sites. But my question would be does the $90 per month cover the interest charges and fees because I don't know what is the total amount of your fees and charges are. And I am not going to ask you for those details. If $90 does cover the fees and charges, get in contact with the finance company and let them know that is all you can pay. I would suggest to try and boost your monthly payment to $100 or even up to $120 by limiting your spending. It won't pay it off straight away but it may help reduce the over the card limit. But put as much as you can on your credit card. Also if you get paid fortnightly, then make fortnightly payments. This will help to reduce interest charged. Then what you can do is, any online earning you do receive, put it on the card as extra payments. As to online earnings, the best I can offer is at least $1 every 20 days. It is only a small. But in your situation every $1 you can make per month will be a great help. You certainly have every right to decline my offer on the online earnings because it is not much. I hope for you there is some one else that can help you with a better offer. That is all the advise and help I can give you.