If You Have More Than 3 Credit Cards, Make These 2 Moves ASAP

We know how easy it is to rack up credit card debt. Over 41% of Americanhouseholds carry a credit card balance, and the average balance for those households is $9,333, according to a study from financial data website ValuePenguin.

But here’s the thing about credit cards: once you have a few of them, it’s time to change up your strategy.

If you’ve got more than three credit cards, here are two money moves you should make right away:

1. Let This Company Pay Off Your Credit Cards

No, like… the whole bill. All of it. All that debt racked up from the 300 destination weddings your friends made you attend (thanks!) could be paid by the end of this month.

Your credit card company is ripping you off with insane rates, and it’s getting rich off of you. But there are other, nicer companies that’ll help you out. But a website called AmOne wants to help.

If you owe your credit card companies $50,000 or less, AmOne will match you with a low-interest loan you can use to pay off every single one of your balances.

The benefit? You’ll be left with one bill to pay each month. And because personal loans have lower interest rates (AmOne rates start at 3.99% APR), you’ll get out of debt that much faster. Plus: No credit card payment this month.

AmOne keeps your information confidential and secure, which is probably why after 20 years in business, it still has an A+ rating with the Better Business Bureau.

It takes two minutes to see if you qualify for up to $50,000 online. You do need to give AmOne a real phone number in order to qualify, but don’t worry — they won’t spam you with phone calls.

Now you can finally stop holding a grudge against that friend who thought a Mexico wedding was a good idea.

2. Improve Your Credit Score by 277 Points

Your credit score is important. The better your score, the better deal you’ll get on a mortgage, car loan or credit card. We’re talking big money here.

Even if you’re not buying a house anytime soon, a lousy credit score means you’ll get hit with a high security deposit whenever you rent a car or move into a new apartment.

To keep a closer eye on your credit, get your credit score and a “credit report card” for free from Credit Sesame. It breaks down exactly what’s on your credit report in layman’s terms, how it affects your score and how to address it.

James Cooper, of Atlanta, used Credit Sesame to raise his credit score 277 points in six months.

“They showed me the ins and outs — how to dot the I’s and cross the T’s,” he says. “I applied for my first credit card ever.”

Getting your free credit score takes about 90 seconds. Before you know it, you’ll be an expert in credit scores.

Never thought you’d earn that title, huh?