Added up 40,000 in CC debt over the last year in 0% APR and now unable to repay before the promotional period. Mostly invested in stocks and are trapped in bear market now – down more than 70% . I am positive it will come back once the market recovers. All CCs accruing at above 20% interest from November. I have a job that pays 110,000/ year and looking for ways to reduce overall interest.
1)I need a loan with no prepayment penalty. I want to repay as quickly as possible.
2) which lender would be best to go for at this point ? I have a credit score of just above 600
Appreciate any direction from anyone here ! Thanks