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When you access your account and perform transactions on the Discover site we use 128-bit-Secure Sockets Layer (SSL) encryption technology-the most widely used method of securing internet transactions available today. And while our site doesn’t feature every company or financial product available on the market, we’re proud that the guidance we offer, the information we provide and the tools we create are objective, independent, straightforward — and free. Ideally, that new debt has a lower interest rate than your existing debt, making payments more manageable or the payoff period shorter.If you pay more than the minimum, you’ll pay less in interest overall.Your card company is required to chart this out for you on your statement, so you can see how it applies to your bill. Every dollar over the minimum payment goes toward your balance—and the smaller your balance, the less you have to pay in interest.In fact, the faster you pay off your debts the more your credit score will improve.Ideally, you should come up with a budget and pay off your debts as soon as possible.Consult with your own financial professional when making decisions regarding your financial or investment options.We strive to provide you with information about products and services you might find interesting and useful.
You’ll need a good to excellent credit score — above 690 — to qualify for most cards.
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The option that best suits you depends on your overall debt load, credit score and history, available cash and other aspects of your financial situation, as well as your self-discipline.
Consolidation works best when your ultimate goal is to pay off debt.