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  2. What is a credit card charge-off? - AOL

    www.aol.com/finance/credit-card-charge-off...

    The write-off is purely an accounting function that applies only to the company’s balance sheet, not your debt. You still owe the bill, and they still expect you to pay it. How does a charge-off ...

  3. What is an outstanding balance on a credit card? - AOL

    www.aol.com/finance/outstanding-balance-credit...

    This means you could owe $5,000 on your credit card on the 3rd of any given month, pay off your outstanding balance on the 10th of the month and show a $0 credit card balance by the time your ...

  4. How do balance transfers work, and will one work for you? - AOL

    www.aol.com/finance/balance-transfers-one...

    Balance transfer credit cards can be a smart strategy if you have a way to pay off your debt relatively quickly, says Jeanne Kelly, a New York-based credit coach and founder of The Kelly Group.

  5. Charge-off - Wikipedia

    en.wikipedia.org/wiki/Charge-off

    A charge-off or chargeoff is a declaration by a creditor (usually a credit card account) that an amount of debt is unlikely to be collected. This occurs when a consumer becomes severely delinquent on a debt. Traditionally, creditors make this declaration at the point of six months without payment. A charge-off is a form of write-off.

  6. Debt snowball vs. debt avalanche method: Which payoff ... - AOL

    www.aol.com/finance/debt-snowball-vs-debt...

    They typically extend a 0% introductory APR for up to 18 months, offering major interest savings — but you’ll want to prioritize paying off your balance in full within the intro period. Debt ...

  7. Principal balance - Wikipedia

    en.wikipedia.org/wiki/Principal_balance

    The principal balance, in regard to a mortgage, loan, or other debt financial contractual agreements, is the amount due and owed to satisfy the payoff of an underlying obligation. It is distinct from, and does not include, interest or other charges.

  8. Credit card balance transfer - Wikipedia

    en.wikipedia.org/wiki/Credit_card_balance_transfer

    The process of a balance transfer can usually be concluded within hours. Automated services facilitate balance transfers between card issuers. Balances cannot be transferred between cards with the same bank. A transaction fee is a one-off commission charged by the company that receives the balance. This varies from (typically) 1-5% of ...

  9. How to pay off your credit card debt: A step-by-step game ...

    www.aol.com/finance/how-to-pay-off-credit-card...

    If you’re carrying more credit card debt than you care to think about, you’re not alone. Among the generations, Gen Xers carry the largest average credit card balance of $9,225, with baby ...