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Saxton Associates Poor Review: Credit Card Consolidation

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Saxton Associates and Credit 9 has been flooding the market with credit card consolidation offers.

Should you respond to Saxton Associates or Credit 9 and trust them with your debt consolidation process?

If you have been thinking about it and you just received a “too good to be true” loan offer in the mail from Saxton Associates or Credit 9 – follow your instincts. Do you really think you qualify for a 3.99% interest rate? Do you really think that reservation code is especially for you?

Credit card consolidation can help you in a number of ways to eventually pay off your entire debt. It can provide you with many benefits, such as reduced overall interest rate, lower monthly payments and simplified payments.

Credit card consolidation combines all of your credit card balances into one grand total. Thus, you have to make one payment each month rather than multiple payments. The right credit card consolidation option payment entails smaller interest expenses, which, in turn, makes debt repayment much easier.

Here are the 5 best credit card consolidation options that you can consider to pay off your credit card balances:

Credit Counseling

Working with a non-profit credit counseling firm is one of the best means of credit card consolidation. These firms first analyze your unique financial scenario and then suggest a plan that will help you to overcome your financial problems. Non-profit credit counseling firms can serve you in a number of ways. They can help you with budgeting, spending habits, debt management and money management.

However, before committing yourself to any credit counseling firm, you must do your research to ensure that it is a reputable organization.

The credit counseling firm will negotiate with your creditors so that you gain concessions to help you pay off debt. All of your credit card balances will be combined into a single amount so that you have to make a single monthly payment. You will make the payment to the credit counseling firm, which will then pay your creditors. Credit counseling firms negotiate with creditors to lower your interest rate, reduce the debt amount, waive fees or gain any other concession.

You may have to pay fees for some credit counseling services. You may also have to agree to certain terms, such as not applying for a new line of credit or using the credit cards that you currently hold.

Personal Loan for Credit Card Consolidation

Personal loans are another means of credit card consolidation. You can take out a personal loan to pay off all your credit card balances. When all your credit card balances are settled, you will need to make only one monthly payment to the creditor that extended the personal loan. This will simplify payments and save you time and effort. A good choice of personal loan may also imply a reduced interest rate.

If you have good credit, your chances of getting lower interest rates on a personal loan may increase. The advantage of personal loans is that many different kinds are available to borrowers. Each one of them has their specific terms and conditions. You can select a personal loan with terms and conditions that can help you with debt management. There are also lenders that submit funds directly to credit card companies to minimize the chance that the loan amount will be used for any other purpose. A prequalification option is also available with many lenders. You can take advantage of this to search for options without bringing down your credit score. This might be a good credit card consolidation option for you.

The biggest drawback to personal loans is that you will have to meet the lender’s criteria in order to qualify. If you have a low credit score, then you may not be able to get an interest rate that is substantially lower than your credit cards. You will also have to watch out for origination fees, which add to the cost of paying back debt. You may have to pay hundreds of dollars as origination fees with some lenders.

Balance Transfer Credit Card for Credit Card Consolidation

With the help of a balance transfer credit card, you can transfer all of your credit card balances into your new account. Most balance transfer credit cards carry a zero percent introductory APR that extends into several months. This zero APR time frame can give you the opportunity to pay back your credit card debt without incurring any interest. Debt payment will be much easier without accumulating interest, making this a viable credit card consolidation option.

However, to take full advantage of balance transfer credit cards, you must pay back the entire debt within the zero APR time period. Otherwise, you will have to pay interest on the balance transfers and the plan will backfire.

One key point to look out for is the balance transfer fee. Some cards impose balance transfer fees that increase the burden of debt payment. You cannot transfer an amount greater than your credit limit.

Take Help from Friends and Family for Credit Card Consolidation

You can also think about getting money from your friends or family members if that is possible. However, before obtaining funds this way, make sure that you work out the details of repayment terms so that there is no dispute later on about payments.

The biggest advantage of this credit card consolidation method is that you do not have to meet the eligibility criteria to qualify, as is the case with financial firms. The interest rate may also be likely lower.

One major drawback is that it can possibly strain your relationship if you fail to pay back on time.

Home Equity Loan for Credit Card Consolidation

Before going any further into the details, you should know that this is the riskiest method since you can possibly lose your home. Thus, you should think about it only if you have exhausted all options and are certain that you have the means of paying back the loan in time.

You can take out a home equity loan with your home as collateral. That is, your home equity serves as a security for the loan. There are two advantages to this. First, you are putting your home equity to use. Second, since this is a secured loan, the interest rate may be lower than your credit cards, which are unsecured loans. The lower interest rate may be a big boon for debt repayment.

The major disadvantage of this credit card consolidation method is that if you are not responsible enough, then you could end up losing your home. Defaulting on repayments will give your creditor the right to press for a foreclosure on your home to regain the amount that you owe.

The idea of Bigtime Daily landed this engineer cum journalist from a multi-national company to the digital avenue. Matthew brought life to this idea and rendered all that was necessary to create an interactive and attractive platform for the readers. Apart from managing the platform, he also contributes his expertise in business niche.

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Business

Scaling Success: Why Smart Habits Beat Growth Hacks in Modern eCommerce

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There’s a romanticized image of the eCommerce founder: a daring risk-taker chasing the next big idea, fueled by late-night caffeine and last-minute inspiration. But the reality behind scaled, sustainable brands tells a different story. Success in digital commerce doesn’t come from chaos or clever hacks. It comes from habits. Repetitive, structured, often unglamorous habits.

Change, a digital platform created by eCommerce strategist Ryan, builds its entire philosophy around this truth. Through education, mentorship, and infrastructure, Change helps founders shift from scrambling for quick wins to building strong systems that grow with them. The company doesn’t just offer software. It provides the foundation for digital trade, particularly for those in the B2B space.

The Habits That Build Momentum

At the heart of Change’s philosophy are five core habits Ryan considers non-negotiable. These aren’t buzzwords; they’re the foundation of sustainable growth.

First, obsess over data. Successful founders replace guesswork with metrics. They don’t rely on gut feelings. They measure performance and iterate.

Second, know your customer deeply. Not just what they buy, but why they buy. The most resilient brands build emotional loyalty, not just transactional volume.

Third, test fast. Algorithms shift. Consumer behavior changes. High-performing teams don’t resist this; they test weekly, sometimes daily, and adapt.

Fourth, manage time like a CEO. Every decision has a cost. Prioritizing high-impact actions isn’t optional; it’s survival.

Fifth, stay connected to mentorship and learning. The digital market moves quickly. The remaining founders are the ones who keep learning, never assuming they know it all. 

Turning Habits into Infrastructure

What begins as personal discipline must eventually evolve into a team structure. Change teaches founders how to scale their systems, not just their sales.

Tools are essential for starting, think Notion for documentation, Asana for project management, Mixpanel or PostHog for analytics, and Loom for async communication. But tools alone don’t create momentum.

Teams need Monday metric check-ins, weekly test cycles, customer insight reviews, just to name a few. Founders set the tone by modeling behavior. It’s the rituals that matter, then, they turn it into company culture.

Ryan puts it simply: “We’re not just building tools; we’re building infrastructure for digital trade.”

Avoiding the Common Traps

Even with structure, the path isn’t always smooth. Some founders over-focus on short-term results, chasing vanity metrics or shiny tactics that feel productive but don’t move the needle.

Others fall into micromanagement, drowning in dashboards instead of building intuition. Discipline should sharpen clarity, not create rigidity. Flexibility is part of the process. Knowing when to pivot is just as important as knowing when to persist.

Scaling Through Self-Replication

In the end, eCommerce scale isn’t just about growing a business. It’s about repeating successful systems at every level. When founders internalize high-performance habits, they turn them into processes, then culture, then legacy.

Growth doesn’t require more motivation. It requires more precision. More consistency. Your calendar, not your to-do list, is your business plan.

In a space dominated by noise and novelty, Change and its founder are quietly reshaping the conversation. They aren’t chasing trends but building resilience, one habit at a time.

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