What's a obedient credit to debt ratio? Please serve!! Any info is appreciated!? I was a student for 3 years and lived on my own

I was a student for 3 years and lived on my own for 5 years. I be struggling with money and get my-self into too much credit debt (over $25,000!) Now I am struggling to pay them rotten as soon as I get a paycheck. I just buy food or clothes or any extras (The only extra article I but is a train pass).

So I am working as hard as I can to find a opening to lower my debt and interest, I tried transferring my highest percent card to a lower one (from 18.35% to 9.99%) and they decline my transfer becuase of my dignified debt to credit ratio. The interest alone is killing me. What's a right credit to debt ratio before they consent to me transfer my money or supply me an increase so I can close my highest paying card?
Any info is outstandingly very remarkably appreciated!
Thank you! Generally 30% or smaller quantity is considered "good."

For the best chalk up you need to be below 30% debt to credit ratio. If you own not been behind schedule or such, go to debt consolidation and pay envelope them off directly. A personal loan is not counted towards credit to debt ratio like revolving accounts do. Go to your hill, ask them for a $25000 loan for 5-8 years, see what interest rate you get, reward the money off to the credit card and be done. The interest alone on this unsecured debt will receive you want to sell your kidney. here is an example

http://www.bankofamerica.com/vehicle_and...

If you failure up doing debt consolidation, make sure to contract with a specified and reputable bank and/or credit grouping.

beside just cC debt 31%

Answers: Concentrate on paying off the chief interest rate first, while making minimum payments on the rest. When the highest rate is compensated off, move to the subsequent. This way you can obtain rid of the highest interest rates first.
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