Please do not fall for a scam! It’s just as bad as taking a traditional loan. I started out 3k in debt have had tally for over a year and make over the “minimum” which is usually between 150-200 sometimes even 300 payments each month. 1 1/2 year later I haven’t even paid off over 1k how?! Today I logged in to make a payment realized what I had paid off went back 2k range did simple math. The extra 120 I paid last month just went to interest and then some. So all you’re doing is throwing money at them. I wish I wasn’t desperate and would have just continued making payments to my credit card during hard times. PLEASE DO NOT FALL FOR THIS SCAM. Call your creditors instead if you need a break most of the time they are willing to work with you or make a minimum payment for a few months before signing up for this garbage. They sent a friendly email stating due to credit card interest rises they would be raising their interest as well but this is just extreme.