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Is debt consolidation a good idea for me? Im stuck
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Im in 13K credit card debt with 8 credit cards. My credit score is 525 and it used to be a 740….. i have no idea what to do. im drowning and everytime i pay something it never moves, probably due to intrest rates. I cant even get approved for a credit card to transfer over! My main concern is my spending habits tho which i cant seem to get under control. I have ADHD and my therapist thinks my spending problems stem from it. Im not sure what to do. Posted specifics of my credit cards below. Please help ill take any advice. Im always negative in my account bc i think im putting too much into my cards and not leaving any money for groceries, gas and pet food. Which then causes me to use the cards avail balance…. SOS I can give more specifics if needed.

CREDIT CARDS

Navy Fed-$3,464.70 - APR 16.99% (min payment $84.37)

Military Star- $2,404.47 - APR 15.24% (min payment $69.47)

Chase Disney-$1,974.25 - APR 28.24% (min payment $67.00) AVAIL BALANCE: $25.75 Due date: 22nd every month

Amazon Chase Card- $1,952.96 - APR 27.49% (min payment $87.34) AVAIL BALANCE: $37.97 Due date: 5th every month

Best Buy- $1,949.63 - APR 0% till June24 (min payment $36.00) AVAIL BALANCE: $50.00 Due date: 16th every month

Apple Card-$894.70 - APR 27.24% (min payment $33)

Capital One- $492.46 - APR 30.49% (min payment $55)

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11 months ago