Get a Real Fresh Start: Pay Off ALL Your Credit Cards

Even those of us with good credit sometimes need a fresh start on debt! About once a year, I sit down and analyze all of my monthly expenses, including my mortgage, car loan, and my credit card debt. I look at things like overall debt, the balance on each loan, the amount and rate of interest, and the effect that each payment has on my monthly expenses. Then, I formulate my financial plans for the year, deciding how much I can and will pay off each month, whether I should consider any balance transfers to save money on interest, and even if I should consider paying off all of the cards with a personal loan.

Have you sat down with your monthly expenses for this year? And if so, did your credit card spending get out of hand over the holidays? Perhaps money has been really tight and you’ve only been able to make the monthly minimum payments… which just leaves you feeling like you’re drowning in credit card debt, especially when you read the fine print and see how long it will take to pay off those debts if you only make the minimum payment! Relax… you can pay off ALL of those credit cards right now. All you need to do is take control of your finances and conquer your credit card debt with a loan from SoFi!


Use Your Tax Refund to Get a Fresh Start!

Want to get a fresh start on your credit this year?  Got a little extra left over from your tax refund?  Why not take just a little bit of your refund and use it to get your credit back on track?  Believe it or not, it doesn’t cost a small fortune to start rebuilding your credit and, even better, it’s not nearly as hard as you think.

And, as if that’s not enough – here’s the real reason you want a secured credit card:

Most secured credit card companies report to major credit bureaus and that is what really matters when it comes to getting a fresh start on your credit… you’ll be building up your credit score while using your new credit card.  

And all it takes is just a small deposit on a secured credit card – so, go ahead, use just a little bit of this year’s tax refund to get a fresh start on your credit!  Trust me, it will be worth it in the long run. Here are a selection of secured credit cards available to you: