If you get to the point in life that you see that the debts on your credit card are increasing and you can’t pay off, it’s time to review your finances quickly. We at Dr. Jexly will go through a number of different opportunities and steps you can start with in order to settle your finances.
Replace your loans
Often, the effective interest rate is much higher on a credit card than on a private loan or other lender. This can mean that you can lower your monthly costs easily and in a very short time.
We have taken a closer look at Anyfun, which specializes in helping you as a customer to lower costs for your debts.
They have a smooth layout, you send in a picture of your invoice or an invoice in PDF format. They do an individual examination with credit information. You will then receive an offer for any new interest if you transfer your debt to Anyfun . Depending on what your credit rating looks like, you can reduce your interest costs very much.
If you do not receive an offer, it is because they cannot give you a lower interest rate than the one you have today. But of course you always get a message from them so you know if things are going well or if they can’t lower the interest rate you already have.
The thing to keep in mind is that they can only lend SEK 100,000 in total if you have more credits you want to settle.
Lower interest rates
You manage it with mobile BankID
They have a smooth app
No requirement for permanent employment
No hidden fees
This is a modern and effective way to review expensive credits. They work with AI and modern technology to quickly provide you with information and possibly a new offer with lower interest rates . You simply download the app to your mobile and can manage all your cases via the app.
There are no hidden fees, but you pay interest and interest. There may be an administration fee, but you will get clear information about that. The application is free of charge and you can always redeem your credit early without any extra fees.
As soon as you accept the offer you received, your invoice will be paid by your existing lender by Anyfun. It takes about 2-3 days and you get a confirmation of this. You also get a new credit agreement with terms and conditions. This will then move your debt and you can pay it off at a lower interest rate.
You cannot apply for a new credit as Anyfun works to lower your costs and not get more debt. This means that it is only possible to apply for existing debts that you already have.
Basic requirements for making an application
At least 18 years old
Registered in Sweden
No payment remarks for the last 12 months
No active debt balance at Kronofogden
Redo your installment plan
If you want to go ahead with solving it directly with the installment plan you already have for the credit, you can start by looking at your invoice. On your invoice you usually find a payment plan with a minimum amount to pay. If you always pay the lowest amount , there will be a lot of interest and fees placed on the loan.
Review your budget and see if you can distribute your spending. The more you pay on expensive credits, the faster they disappear.
Cut the credit card
It may sound drastic, but if you find that you have excessive credit card debt and do not catch up with your credit card bill payments each month, then it may be wise to cut the credit card so you can no longer use it. If you only have one bank card then you can only use what you have in your account and no longer risk building on your credit card debt.
Use free months
If you have free months with your lender, you can request a free month to catch up. This is not a solution that works year-round but can be a good alternative if you know that your income will be better next month. Debts do not decrease and often the interest rate continues to be added, so this should be included in the calculations.
Contact the municipality’s budget and debt adviser
If you have a lot of debt or are unable to pay off your credit card debt, it may be very good to contact your home municipality. Each municipality has one or more budgets and debt advisors to help you take care of your finances. This is free of charge but keep in mind that waiting times can be long so you usually can’t get help right away. While waiting, it is good to start reviewing your finances and reviewing your debts. Collect all invoices and create order and get help easier and faster.