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By transferring multiple balances from non-Westpac credit cards or store cards into one low rate credit card you can potentially: This option requires good discipline as there is no set repayment amount.
Remain focused by putting a plan in place to pay off the entire balance during the interest free period.
If you opt to keep your repayments the same, your mortgage will take longer to pay off.
In both cases, you will likely end up incurring more interest over the long term compared to other options. If you are finding your debt difficult to manage, the earlier you take action the better. Some of the ways we may be able to help Westpac customers include: If you are a Westpac customer and experiencing difficulty making your loan or credit card repayments, please call Westpac Assist on 1800 067 497.
We look for a loan that will improve your cash flow and streamline your payments without compromising your long-term financial outlook.
You can use our Budget Planner to work out how much you can realistically afford to repay each month.
By combining multiple debts into one easy to manage personal loan you can potentially: Read more about our personal loans.
This is generally the best option for consolidating credit card debt.
This calculator is based on making the minimum repayment amount at a 18% interest rate.
Minimum repayments are calculated as a percentage of the closing balance, typically 2 or 2.5%, or a set dollar amount, usually around , whichever is greater.