Can't Pay Your Card Bill?

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0.4, 0.0, 1)","fill":"forwards"}] [{"selector":"#anim-0eb981df-47fc-4797-b357-e8aa70e8e01c","keyframes":{"transform":["translate3d(-137.49998%, 0px, 0)","translate3d(0px, 0px, 0)"]},"delay":260,"duration":500,"easing":"cubic-bezier(0.4, 0.4, 0.0, 1)","fill":"both"}] [{"selector":"#anim-d5662fe0-e696-4e0a-87f0-88c50ffb6be3","keyframes":{"opacity":[0,1]},"delay":260,"duration":500,"easing":"cubic-bezier(0.4, 0.4, 0.0, 1)","fill":"both"}] [{"selector":"#anim-a039670d-eb2a-4a9f-a8e1-a087ee85f844","keyframes":{"transform":["scale(0.15)","scale(1)"]},"delay":260,"duration":500,"easing":"cubic-bezier(0.4, 0.4, 0.0, 1)","fill":"forwards"}] [{"selector":"#anim-9d618e31-2ceb-4cdd-908d-90f66b98d777","keyframes":{"transform":["translate3d(-137.49998%, 0px, 0)","translate3d(0px, 0px, 0)"]},"delay":320,"duration":500,"easing":"cubic-bezier(0.4, 0.4, 0.0, 1)","fill":"both"}] [{"selector":"#anim-543a9e8e-cbf6-4a0b-a3e3-ea84c890fc8d","keyframes":{"opacity":[0,1]},"delay":320,"duration":500,"easing":"cubic-bezier(0.4, 0.4, 0.0, 1)","fill":"both"}] [{"selector":"#anim-4d1b8c96-2abc-434e-9262-be5fb186b3e8","keyframes":{"transform":["scale(0.15)","scale(1)"]},"delay":320,"duration":500,"easing":"cubic-bezier(0.4, 0.4, 0.0, 1)","fill":"forwards"}] [{"selector":"#anim-7ac41a27-9f0c-4f24-a0a8-93c19b63285e","keyframes":{"transform":["translate3d(-137.49998%, 0px, 0)","translate3d(0px, 0px, 0)"]},"delay":380,"duration":500,"easing":"cubic-bezier(0.4, 0.4, 0.0, 1)","fill":"both"}] [{"selector":"#anim-f9856663-697c-4320-a4a8-fabe0f884cda","keyframes":{"opacity":[0,1]},"delay":380,"duration":500,"easing":"cubic-bezier(0.4, 0.4, 0.0, 1)","fill":"both"}] [{"selector":"#anim-acc2087f-c7e8-4fe1-9cef-036207521106","keyframes":{"transform":["scale(0.15)","scale(1)"]},"delay":380,"duration":500,"easing":"cubic-bezier(0.4, 0.4, 0.0, 1)","fill":"forwards"}] [{"selector":"#anim-74aab006-1f73-487b-ad03-95d9fa448100","keyframes":{"transform":["translate3d(-137.49998%, 0px, 0)","translate3d(0px, 0px, 0)"]},"delay":440,"duration":500,"easing":"cubic-bezier(0.4, 0.4, 0.0, 1)","fill":"both"}] [{"selector":"#anim-00aa2b11-9d40-4f3a-ac9e-4d6375e91fac","keyframes":{"opacity":[0,1]},"delay":440,"duration":500,"easing":"cubic-bezier(0.4, 0.4, 0.0, 1)","fill":"both"}] [{"selector":"#anim-5c6d564b-7ab1-4b9d-bbd7-b3c966bf8329","keyframes":{"transform":["scale(0.15)","scale(1)"]},"delay":440,"duration":500,"easing":"cubic-bezier(0.4, 0.4, 0.0, 1)","fill":"forwards"}] [{"selector":"#anim-2c98223b-b99b-4b8b-8adf-b4e2f19b54ca","keyframes":{"transform":["translate3d(-137.49998%, 0px, 0)","translate3d(0px, 0px, 0)"]},"delay":500,"duration":500,"easing":"cubic-bezier(0.4, 0.4, 0.0, 1)","fill":"both"}] [{"selector":"#anim-4337f8e1-8398-43bb-b4bc-cae1558942b5","keyframes":{"opacity":[0,1]},"delay":500,"duration":500,"easing":"cubic-bezier(0.4, 0.4, 0.0, 1)","fill":"both"}] [{"selector":"#anim-f6afa8eb-d4f0-4e98-b599-29919f9d298d","keyframes":{"transform":["scale(0.15)","scale(1)"]},"delay":500,"duration":500,"easing":"cubic-bezier(0.4, 0.4, 0.0, 1)","fill":"forwards"}] [{"selector":"#anim-581ad76a-46ad-4c8a-9d82-f8785e1eeb6c","keyframes":{"transform":["translate3d(-137.49998%, 0px, 0)","translate3d(0px, 0px, 0)"]},"delay":560,"duration":500,"easing":"cubic-bezier(0.4, 0.4, 0.0, 1)","fill":"both"}] [{"selector":"#anim-8a55aa8d-ee6b-4a93-94be-7203ccdc6f92","keyframes":{"opacity":[0,1]},"delay":560,"duration":500,"easing":"cubic-bezier(0.4, 0.4, 0.0, 1)","fill":"both"}] [{"selector":"#anim-ff59d592-de13-48e5-87a1-dbe58e14ecd9","keyframes":{"transform":["scale(0.15)","scale(1)"]},"delay":560,"duration":500,"easing":"cubic-bezier(0.4, 0.4, 0.0, 1)","fill":"forwards"}] [{"selector":"#anim-f54af156-942d-467c-9775-8a16d12181c1","keyframes":{"opacity":[0,1]},"delay":700,"duration":700,"easing":"cubic-bezier(0.4, 0.4, 0.0, 1)","fill":"both"}] [{"selector":"#anim-638df402-5d04-48b1-be89-8f20503b13f0","keyframes":{"opacity":[0,1]},"delay":600,"duration":600,"easing":"cubic-bezier(0.4, 0.4, 0.0, 1)","fill":"both"}] [{"selector":"#anim-ece3d384-a000-46b1-8290-50582d264bbe","keyframes":{"opacity":[0,1]},"delay":800,"duration":900,"easing":"cubic-bezier(0.2, 0.6, 0.0, 1)","fill":"both"}] [{"selector":"#anim-90f224cb-9e78-40d8-9838-44bf37d0ec8e","keyframes":{"transform":["translate3d(0px, 256.94442%, 0)","translate3d(0px, 0px, 0)"]},"delay":800,"duration":900,"easing":"cubic-bezier(0.2, 0.6, 0.0, 1)","fill":"both"}] [{"selector":"#anim-678fbfcc-042e-4531-abad-390f15158079","keyframes":{"opacity":[0,1]},"delay":1300,"duration":800,"easing":"cubic-bezier(0.4, 0.4, 0.0, 1)","fill":"both"}] [{"selector":"#anim-71a2bcae-7ba6-4a1e-bd9c-f459b88283f9","keyframes":{"opacity":[0,1]},"delay":1600,"duration":500,"easing":"cubic-bezier(0.4, 0.4, 0.0, 1)","fill":"both"}] ★ ★ ★ GUIDE · CREDIT CARDS What to do first, and what happens next. Photo: Lotus Head / Wikimedia Commons (CC BY-SA 2.5)

Call Before It's Due

[{"selector":"#anim-88d3ea9f-af19-49a2-b307-b59a3a1877cd [data-leaf-element=\"true\"]","keyframes":{"transform":["translate(0%, 0%) scale(1.5)","translate(0%, 0%) scale(1)"]},"delay":0,"duration":8000,"easing":"cubic-bezier(.3,0,.55,1)","fill":"forwards"}] [{"selector":"#anim-7558f164-698e-4992-bf8b-ceaa17d11ea0","keyframes":{"opacity":[0,1]},"delay":0,"duration":600,"easing":"cubic-bezier(0.2, 0.6, 0.0, 1)","fill":"both"}] [{"selector":"#anim-06440dd9-3195-4791-bd7f-b756cc84783f","keyframes":{"transform":["translate3d(0px, 130.97797%, 0)","translate3d(0px, 0px, 0)"]},"delay":0,"duration":600,"easing":"cubic-bezier(0.2, 0.6, 0.0, 1)","fill":"both"}] [{"selector":"#anim-ef7e7f1f-d17a-4b0d-a8a4-c6d12cf776d1","keyframes":{"opacity":[0,1]},"delay":0,"duration":600,"easing":"cubic-bezier(0.2, 0.6, 0.0, 1)","fill":"both"}] [{"selector":"#anim-c549fd9e-0081-43ea-9603-afda29283d7a","keyframes":{"transform":["translate3d(0px, 135.71817%, 0)","translate3d(0px, 0px, 0)"]},"delay":0,"duration":600,"easing":"cubic-bezier(0.2, 0.6, 0.0, 1)","fill":"both"}] [{"selector":"#anim-81426fe6-d37c-4b51-8cef-b5d4d9de2976","keyframes":{"transform":["translate3d(-808.33304%, 0px, 0)","translate3d(0px, 0px, 0)"]},"delay":400,"duration":800,"easing":"cubic-bezier(.2, 0, .8, 1)","fill":"both"}] [{"selector":"#anim-5e06b1c2-b520-4329-a225-06eb3c91e14a","keyframes":{"transform":["rotateZ(-180deg)","rotateZ(0deg)"]},"delay":400,"duration":800,"easing":"cubic-bezier(.2, 0, .5, 1)","fill":"forwards"}] [{"selector":"#anim-c489679e-e552-4048-a160-aec26729342c","keyframes":{"transform":["translate3d(-808.33304%, 0px, 0)","translate3d(0px, 0px, 0)"]},"delay":400,"duration":800,"easing":"cubic-bezier(.2, 0, .8, 1)","fill":"both"}] [{"selector":"#anim-d85cadf2-2c56-4cf2-b26c-d1f5daf311c7","keyframes":{"transform":["rotateZ(-180deg)","rotateZ(0deg)"]},"delay":400,"duration":800,"easing":"cubic-bezier(.2, 0, .5, 1)","fill":"forwards"}] [{"selector":"#anim-3f372dfa-02a5-4b63-9367-42950b14aed6","keyframes":{"opacity":[0,1]},"delay":450,"duration":500,"easing":"cubic-bezier(0.4, 0.4, 0.0, 1)","fill":"both"}] [{"selector":"#anim-b976abb3-25e0-4899-9d6b-c21d44da6211","keyframes":{"opacity":[0,1]},"delay":600,"duration":800,"easing":"cubic-bezier(0.4, 0.4, 0.0, 1)","fill":"both"}] [{"selector":"#anim-09191c28-a0bf-41ee-bd5d-080a40308acd","keyframes":{"opacity":[0,1]},"delay":850,"duration":500,"easing":"cubic-bezier(0.2, 0.6, 0.0, 1)","fill":"both"}] [{"selector":"#anim-409921f9-b030-46bb-8ae8-a41926031281","keyframes":{"transform":["translate3d(-156.66667%, 0px, 0)","translate3d(0px, 0px, 0)"]},"delay":850,"duration":500,"easing":"cubic-bezier(0.2, 0.6, 0.0, 1)","fill":"both"}] [{"selector":"#anim-e24b6af8-ce97-4370-b922-928340e0c6b1","keyframes":{"opacity":[0,1]},"delay":950,"duration":800,"easing":"cubic-bezier(0.4, 0.4, 0.0, 1)","fill":"both"}] [{"selector":"#anim-ca9cb82a-8e5e-46d2-a0d4-53883817fcda","keyframes":{"opacity":[0,1]},"delay":1250,"duration":500,"easing":"cubic-bezier(0.4, 0.4, 0.0, 1)","fill":"both"}] ★ § 1 · CREDIT CARDS Ask for the hardship team. Many issuers can cut your rate or payment for a while. Photo: Raimond Spekking / Wikimedia Commons (CC BY-SA 4.0)

Pay the Minimum

[{"selector":"#anim-6d9e7fa4-f969-4fc8-bf09-4eaf762bedd0 [data-leaf-element=\"true\"]","keyframes":{"transform":["translate(0%, 0%) scale(1.5)","translate(0%, 0%) scale(1)"]},"delay":0,"duration":8000,"easing":"cubic-bezier(.3,0,.55,1)","fill":"forwards"}] [{"selector":"#anim-76aa46b3-5263-4786-83ab-bd7380a4fc44","keyframes":{"opacity":[0,1]},"delay":0,"duration":600,"easing":"cubic-bezier(0.2, 0.6, 0.0, 1)","fill":"both"}] [{"selector":"#anim-399d0be1-0ee5-45bb-a58b-2b9f5b16d2d0","keyframes":{"transform":["translate3d(0px, 130.97797%, 0)","translate3d(0px, 0px, 0)"]},"delay":0,"duration":600,"easing":"cubic-bezier(0.2, 0.6, 0.0, 1)","fill":"both"}] [{"selector":"#anim-2f04b885-78c0-4e6a-9dd4-58cf0e936943","keyframes":{"opacity":[0,1]},"delay":0,"duration":600,"easing":"cubic-bezier(0.2, 0.6, 0.0, 1)","fill":"both"}] [{"selector":"#anim-3f0c0f16-3d70-4566-8ed3-c01f75ddc2b8","keyframes":{"transform":["translate3d(0px, 135.71817%, 0)","translate3d(0px, 0px, 0)"]},"delay":0,"duration":600,"easing":"cubic-bezier(0.2, 0.6, 0.0, 1)","fill":"both"}] [{"selector":"#anim-fdc78c5f-0ac3-4f39-9a25-cac11008b90a","keyframes":{"transform":["translate3d(-808.33304%, 0px, 0)","translate3d(0px, 0px, 0)"]},"delay":400,"duration":800,"easing":"cubic-bezier(.2, 0, .8, 1)","fill":"both"}] [{"selector":"#anim-732e9281-e835-414b-ab09-426568ff7a29","keyframes":{"transform":["rotateZ(-180deg)","rotateZ(0deg)"]},"delay":400,"duration":800,"easing":"cubic-bezier(.2, 0, .5, 1)","fill":"forwards"}] [{"selector":"#anim-f8b4c958-c6d1-4cb4-b067-20a22dbac059","keyframes":{"transform":["translate3d(-808.33304%, 0px, 0)","translate3d(0px, 0px, 0)"]},"delay":400,"duration":800,"easing":"cubic-bezier(.2, 0, .8, 1)","fill":"both"}] [{"selector":"#anim-22cff8ff-7f2d-4c4c-a349-4d4c85654854","keyframes":{"transform":["rotateZ(-180deg)","rotateZ(0deg)"]},"delay":400,"duration":800,"easing":"cubic-bezier(.2, 0, .5, 1)","fill":"forwards"}] [{"selector":"#anim-03ad2eb0-e9df-43d8-a088-a0dae00b6514","keyframes":{"opacity":[0,1]},"delay":450,"duration":500,"easing":"cubic-bezier(0.4, 0.4, 0.0, 1)","fill":"both"}] [{"selector":"#anim-f84c557e-ac99-47cb-b597-2d1ab351b896","keyframes":{"opacity":[0,1]},"delay":600,"duration":800,"easing":"cubic-bezier(0.4, 0.4, 0.0, 1)","fill":"both"}] [{"selector":"#anim-aec0f792-01e0-470b-a832-930af35c57ac","keyframes":{"opacity":[0,1]},"delay":850,"duration":500,"easing":"cubic-bezier(0.2, 0.6, 0.0, 1)","fill":"both"}] [{"selector":"#anim-f34de0b9-4277-44c0-8f8e-597e96d2d794","keyframes":{"transform":["translate3d(-156.66667%, 0px, 0)","translate3d(0px, 0px, 0)"]},"delay":850,"duration":500,"easing":"cubic-bezier(0.2, 0.6, 0.0, 1)","fill":"both"}] [{"selector":"#anim-ce697ef4-089f-4c0f-8a73-706a95d6f553","keyframes":{"opacity":[0,1]},"delay":950,"duration":800,"easing":"cubic-bezier(0.4, 0.4, 0.0, 1)","fill":"both"}] [{"selector":"#anim-aeb7639f-5bf0-4356-8e9a-c0e625e0c6c2","keyframes":{"opacity":[0,1]},"delay":1250,"duration":500,"easing":"cubic-bezier(0.4, 0.4, 0.0, 1)","fill":"both"}] ★ § 2 · CREDIT CARDS The minimum keeps you current: no late mark on your credit report. Photo: Chris Potter / Wikimedia Commons (CC BY 2.0)

The 30-Day Line

[{"selector":"#anim-72863c77-9e10-46af-8969-7169a73c62e2 [data-leaf-element=\"true\"]","keyframes":{"transform":["translate(0%, 0%) scale(1.5)","translate(0%, 0%) scale(1)"]},"delay":0,"duration":8000,"easing":"cubic-bezier(.3,0,.55,1)","fill":"forwards"}] [{"selector":"#anim-f958c23c-58ae-4887-88ed-13aec381f3f0","keyframes":{"opacity":[0,1]},"delay":0,"duration":600,"easing":"cubic-bezier(0.2, 0.6, 0.0, 1)","fill":"both"}] [{"selector":"#anim-b5cff685-a129-4db1-a8b6-c254b082e8b9","keyframes":{"transform":["translate3d(0px, 130.97797%, 0)","translate3d(0px, 0px, 0)"]},"delay":0,"duration":600,"easing":"cubic-bezier(0.2, 0.6, 0.0, 1)","fill":"both"}] [{"selector":"#anim-65e19c16-857b-4e2c-b0d0-10605a8a82bf","keyframes":{"opacity":[0,1]},"delay":0,"duration":600,"easing":"cubic-bezier(0.2, 0.6, 0.0, 1)","fill":"both"}] [{"selector":"#anim-99a47fea-d6e9-4485-9dc4-8c0704efb670","keyframes":{"transform":["translate3d(0px, 135.71817%, 0)","translate3d(0px, 0px, 0)"]},"delay":0,"duration":600,"easing":"cubic-bezier(0.2, 0.6, 0.0, 1)","fill":"both"}] [{"selector":"#anim-63d405b2-25f3-46fa-beb9-bfbc14649bcb","keyframes":{"transform":["translate3d(-808.33304%, 0px, 0)","translate3d(0px, 0px, 0)"]},"delay":400,"duration":800,"easing":"cubic-bezier(.2, 0, .8, 1)","fill":"both"}] [{"selector":"#anim-06b5d6ac-25fa-4efe-8d9b-9da4bb5c9d6a","keyframes":{"transform":["rotateZ(-180deg)","rotateZ(0deg)"]},"delay":400,"duration":800,"easing":"cubic-bezier(.2, 0, .5, 1)","fill":"forwards"}] [{"selector":"#anim-c507715f-126e-4384-adc0-60ad89d75901","keyframes":{"transform":["translate3d(-808.33304%, 0px, 0)","translate3d(0px, 0px, 0)"]},"delay":400,"duration":800,"easing":"cubic-bezier(.2, 0, .8, 1)","fill":"both"}] [{"selector":"#anim-a57db47f-bf63-4f6b-a13e-6aa43ed091e0","keyframes":{"transform":["rotateZ(-180deg)","rotateZ(0deg)"]},"delay":400,"duration":800,"easing":"cubic-bezier(.2, 0, .5, 1)","fill":"forwards"}] [{"selector":"#anim-fde1e02c-d99f-408e-a09f-daae00e501c9","keyframes":{"opacity":[0,1]},"delay":450,"duration":500,"easing":"cubic-bezier(0.4, 0.4, 0.0, 1)","fill":"both"}] [{"selector":"#anim-7b828a92-13b6-4264-b9d3-670fc665dfae","keyframes":{"opacity":[0,1]},"delay":600,"duration":800,"easing":"cubic-bezier(0.4, 0.4, 0.0, 1)","fill":"both"}] [{"selector":"#anim-24545ddc-57a6-43d7-86cd-02271b410b4d","keyframes":{"opacity":[0,1]},"delay":850,"duration":500,"easing":"cubic-bezier(0.2, 0.6, 0.0, 1)","fill":"both"}] [{"selector":"#anim-48d159be-69fc-4f47-a7ee-103a232b2883","keyframes":{"transform":["translate3d(-156.66667%, 0px, 0)","translate3d(0px, 0px, 0)"]},"delay":850,"duration":500,"easing":"cubic-bezier(0.2, 0.6, 0.0, 1)","fill":"both"}] [{"selector":"#anim-0de9a714-c8d2-40df-9046-9e9dec30a9f6","keyframes":{"opacity":[0,1]},"delay":950,"duration":800,"easing":"cubic-bezier(0.4, 0.4, 0.0, 1)","fill":"both"}] [{"selector":"#anim-2858d973-790e-4948-996b-ce45fc62e826","keyframes":{"opacity":[0,1]},"delay":1250,"duration":500,"easing":"cubic-bezier(0.4, 0.4, 0.0, 1)","fill":"both"}] ★ § 3 · CREDIT CARDS Issuers usually report a late payment once you're 30 days behind. Photo: Claudio Elias / Wikimedia Commons (public domain)

Protect Essentials

[{"selector":"#anim-956c341c-3264-4063-a748-0b5aa5370d75 [data-leaf-element=\"true\"]","keyframes":{"transform":["translate(0%, 0%) scale(1.5)","translate(0%, 0%) scale(1)"]},"delay":0,"duration":8000,"easing":"cubic-bezier(.3,0,.55,1)","fill":"forwards"}] [{"selector":"#anim-afc8e89b-db3d-4ece-bea9-b695271ac898","keyframes":{"opacity":[0,1]},"delay":0,"duration":600,"easing":"cubic-bezier(0.2, 0.6, 0.0, 1)","fill":"both"}] [{"selector":"#anim-165b6d34-fa5c-473e-83cd-a97defbb530c","keyframes":{"transform":["translate3d(0px, 130.97797%, 0)","translate3d(0px, 0px, 0)"]},"delay":0,"duration":600,"easing":"cubic-bezier(0.2, 0.6, 0.0, 1)","fill":"both"}] [{"selector":"#anim-f149f444-6340-4c31-8867-baedaa8fce3e","keyframes":{"opacity":[0,1]},"delay":0,"duration":600,"easing":"cubic-bezier(0.2, 0.6, 0.0, 1)","fill":"both"}] [{"selector":"#anim-eb6a025e-3774-4a69-a57a-da6a603e9789","keyframes":{"transform":["translate3d(0px, 135.71817%, 0)","translate3d(0px, 0px, 0)"]},"delay":0,"duration":600,"easing":"cubic-bezier(0.2, 0.6, 0.0, 1)","fill":"both"}] [{"selector":"#anim-615c3b1c-07b2-4e64-9b5c-b927af76e719","keyframes":{"transform":["translate3d(-808.33304%, 0px, 0)","translate3d(0px, 0px, 0)"]},"delay":400,"duration":800,"easing":"cubic-bezier(.2, 0, .8, 1)","fill":"both"}] [{"selector":"#anim-ec9b98dc-e507-4671-8d92-4a44631dbc7e","keyframes":{"transform":["rotateZ(-180deg)","rotateZ(0deg)"]},"delay":400,"duration":800,"easing":"cubic-bezier(.2, 0, .5, 1)","fill":"forwards"}] [{"selector":"#anim-51531afd-865f-49c9-8411-e0e5332b5366","keyframes":{"transform":["translate3d(-808.33304%, 0px, 0)","translate3d(0px, 0px, 0)"]},"delay":400,"duration":800,"easing":"cubic-bezier(.2, 0, .8, 1)","fill":"both"}] [{"selector":"#anim-c2a5467c-35dd-4e8c-aa25-06835e2e67cf","keyframes":{"transform":["rotateZ(-180deg)","rotateZ(0deg)"]},"delay":400,"duration":800,"easing":"cubic-bezier(.2, 0, .5, 1)","fill":"forwards"}] [{"selector":"#anim-fb5ae6e6-f925-43a4-b96a-1dc698392ec7","keyframes":{"opacity":[0,1]},"delay":450,"duration":500,"easing":"cubic-bezier(0.4, 0.4, 0.0, 1)","fill":"both"}] [{"selector":"#anim-d532704a-4a12-47a0-ac3c-390a677aca92","keyframes":{"opacity":[0,1]},"delay":600,"duration":800,"easing":"cubic-bezier(0.4, 0.4, 0.0, 1)","fill":"both"}] [{"selector":"#anim-880f3fac-066e-4a20-9a32-a41840eeede0","keyframes":{"opacity":[0,1]},"delay":850,"duration":500,"easing":"cubic-bezier(0.2, 0.6, 0.0, 1)","fill":"both"}] [{"selector":"#anim-c270a6dd-74e2-44c7-bccd-61c2a60b4874","keyframes":{"transform":["translate3d(-156.66667%, 0px, 0)","translate3d(0px, 0px, 0)"]},"delay":850,"duration":500,"easing":"cubic-bezier(0.2, 0.6, 0.0, 1)","fill":"both"}] [{"selector":"#anim-78c2d991-5984-4eac-9f2a-33a27ae30da8","keyframes":{"opacity":[0,1]},"delay":950,"duration":800,"easing":"cubic-bezier(0.4, 0.4, 0.0, 1)","fill":"both"}] [{"selector":"#anim-e831e820-0ef2-4800-941e-d16f081478ff","keyframes":{"opacity":[0,1]},"delay":1250,"duration":500,"easing":"cubic-bezier(0.4, 0.4, 0.0, 1)","fill":"both"}] ★ § 4 · CREDIT CARDS Rent, utilities, food and medicine come first. The CFPB says the same. Photo: Infrogmation of New Orleans / Wikimedia Commons (CC BY-SA 4.0)

Skip Payday Loans

[{"selector":"#anim-14e8c2d8-a049-430b-a213-681372e41ffc [data-leaf-element=\"true\"]","keyframes":{"transform":["translate(0%, 0%) scale(1.5)","translate(0%, 0%) scale(1)"]},"delay":0,"duration":8000,"easing":"cubic-bezier(.3,0,.55,1)","fill":"forwards"}] [{"selector":"#anim-cb543632-6e1d-426e-9f79-53c77412ddf5","keyframes":{"opacity":[0,1]},"delay":0,"duration":600,"easing":"cubic-bezier(0.2, 0.6, 0.0, 1)","fill":"both"}] [{"selector":"#anim-118bae19-87c5-4633-ac25-1cbbee4e6dc8","keyframes":{"transform":["translate3d(0px, 130.97797%, 0)","translate3d(0px, 0px, 0)"]},"delay":0,"duration":600,"easing":"cubic-bezier(0.2, 0.6, 0.0, 1)","fill":"both"}] [{"selector":"#anim-da1e3e00-6674-47cc-ba75-3784f9dc7f90","keyframes":{"opacity":[0,1]},"delay":0,"duration":600,"easing":"cubic-bezier(0.2, 0.6, 0.0, 1)","fill":"both"}] [{"selector":"#anim-c30f73f4-c098-4637-848a-9b4c1cb9bcb0","keyframes":{"transform":["translate3d(0px, 135.71817%, 0)","translate3d(0px, 0px, 0)"]},"delay":0,"duration":600,"easing":"cubic-bezier(0.2, 0.6, 0.0, 1)","fill":"both"}] [{"selector":"#anim-bbf2f342-3ba3-49d2-9b4c-5d1738d39d0d","keyframes":{"transform":["translate3d(-808.33304%, 0px, 0)","translate3d(0px, 0px, 0)"]},"delay":400,"duration":800,"easing":"cubic-bezier(.2, 0, .8, 1)","fill":"both"}] [{"selector":"#anim-a3d55384-cf6a-431f-8b8c-6f7f767cb872","keyframes":{"transform":["rotateZ(-180deg)","rotateZ(0deg)"]},"delay":400,"duration":800,"easing":"cubic-bezier(.2, 0, .5, 1)","fill":"forwards"}] [{"selector":"#anim-737398d1-00c6-43f8-b927-492ac769f5aa","keyframes":{"transform":["translate3d(-808.33304%, 0px, 0)","translate3d(0px, 0px, 0)"]},"delay":400,"duration":800,"easing":"cubic-bezier(.2, 0, .8, 1)","fill":"both"}] [{"selector":"#anim-b8c47fdb-ca5d-4ec7-8ff0-3bdba09e6cd0","keyframes":{"transform":["rotateZ(-180deg)","rotateZ(0deg)"]},"delay":400,"duration":800,"easing":"cubic-bezier(.2, 0, .5, 1)","fill":"forwards"}] [{"selector":"#anim-6441ca42-e0ed-4b79-95fd-208ed192cbc6","keyframes":{"opacity":[0,1]},"delay":450,"duration":500,"easing":"cubic-bezier(0.4, 0.4, 0.0, 1)","fill":"both"}] [{"selector":"#anim-217ff163-a4e4-43e3-bc62-a35b47e68d96","keyframes":{"opacity":[0,1]},"delay":600,"duration":800,"easing":"cubic-bezier(0.4, 0.4, 0.0, 1)","fill":"both"}] [{"selector":"#anim-91e74838-2651-4d01-aa35-0eb306de2be2","keyframes":{"opacity":[0,1]},"delay":850,"duration":500,"easing":"cubic-bezier(0.2, 0.6, 0.0, 1)","fill":"both"}] [{"selector":"#anim-65bde249-a588-4f72-8a02-a1ce4f7fe1cc","keyframes":{"transform":["translate3d(-156.66667%, 0px, 0)","translate3d(0px, 0px, 0)"]},"delay":850,"duration":500,"easing":"cubic-bezier(0.2, 0.6, 0.0, 1)","fill":"both"}] [{"selector":"#anim-14816ea1-42df-47f2-a2d4-55db449f74cf","keyframes":{"opacity":[0,1]},"delay":950,"duration":800,"easing":"cubic-bezier(0.4, 0.4, 0.0, 1)","fill":"both"}] [{"selector":"#anim-e551a0cf-2f19-420e-aa48-f7928943d399","keyframes":{"opacity":[0,1]},"delay":1250,"duration":500,"easing":"cubic-bezier(0.4, 0.4, 0.0, 1)","fill":"both"}] ★ § 5 · CREDIT CARDS Their fees can equal very high yearly rates and often make things worse. Photo: Tony Webster / Wikimedia Commons (CC BY 2.0)

Free Counseling

[{"selector":"#anim-0785e638-d9e5-4eda-925b-464c7ca1bf8b [data-leaf-element=\"true\"]","keyframes":{"transform":["translate(0%, 0%) scale(1.5)","translate(0%, 0%) scale(1)"]},"delay":0,"duration":8000,"easing":"cubic-bezier(.3,0,.55,1)","fill":"forwards"}] [{"selector":"#anim-77915143-87f1-4e01-bbee-44c32522c2d1","keyframes":{"opacity":[0,1]},"delay":0,"duration":600,"easing":"cubic-bezier(0.2, 0.6, 0.0, 1)","fill":"both"}] [{"selector":"#anim-2623c663-8fc9-44e6-b0ca-58a55371ecac","keyframes":{"transform":["translate3d(0px, 130.97797%, 0)","translate3d(0px, 0px, 0)"]},"delay":0,"duration":600,"easing":"cubic-bezier(0.2, 0.6, 0.0, 1)","fill":"both"}] [{"selector":"#anim-6dcf4734-3312-4789-a18b-5b8ea5765d04","keyframes":{"opacity":[0,1]},"delay":0,"duration":600,"easing":"cubic-bezier(0.2, 0.6, 0.0, 1)","fill":"both"}] [{"selector":"#anim-c7f35663-4feb-4367-b0e5-dfaf8352a161","keyframes":{"transform":["translate3d(0px, 135.71817%, 0)","translate3d(0px, 0px, 0)"]},"delay":0,"duration":600,"easing":"cubic-bezier(0.2, 0.6, 0.0, 1)","fill":"both"}] [{"selector":"#anim-c174b1c5-756f-43b0-8dbd-0ebbe46d1efb","keyframes":{"transform":["translate3d(-808.33304%, 0px, 0)","translate3d(0px, 0px, 0)"]},"delay":400,"duration":800,"easing":"cubic-bezier(.2, 0, .8, 1)","fill":"both"}] [{"selector":"#anim-5eab9ec6-2d7f-45d7-95ed-a204554eedc3","keyframes":{"transform":["rotateZ(-180deg)","rotateZ(0deg)"]},"delay":400,"duration":800,"easing":"cubic-bezier(.2, 0, .5, 1)","fill":"forwards"}] [{"selector":"#anim-dedf7566-1d2f-4373-8e50-4d0d113406be","keyframes":{"transform":["translate3d(-808.33304%, 0px, 0)","translate3d(0px, 0px, 0)"]},"delay":400,"duration":800,"easing":"cubic-bezier(.2, 0, .8, 1)","fill":"both"}] [{"selector":"#anim-84116932-8868-4977-ba6e-f65bdeb60b63","keyframes":{"transform":["rotateZ(-180deg)","rotateZ(0deg)"]},"delay":400,"duration":800,"easing":"cubic-bezier(.2, 0, .5, 1)","fill":"forwards"}] [{"selector":"#anim-4bbcb07d-6478-4a35-bf8c-adf765278f48","keyframes":{"opacity":[0,1]},"delay":450,"duration":500,"easing":"cubic-bezier(0.4, 0.4, 0.0, 1)","fill":"both"}] [{"selector":"#anim-a559d478-9359-483e-a348-6e4e091835bc","keyframes":{"opacity":[0,1]},"delay":600,"duration":800,"easing":"cubic-bezier(0.4, 0.4, 0.0, 1)","fill":"both"}] [{"selector":"#anim-b2cd2d54-9bb6-41b1-86b5-be82cc06eec8","keyframes":{"opacity":[0,1]},"delay":850,"duration":500,"easing":"cubic-bezier(0.2, 0.6, 0.0, 1)","fill":"both"}] [{"selector":"#anim-964d8223-5bfc-4b66-9cbd-63b787bbae36","keyframes":{"transform":["translate3d(-156.66667%, 0px, 0)","translate3d(0px, 0px, 0)"]},"delay":850,"duration":500,"easing":"cubic-bezier(0.2, 0.6, 0.0, 1)","fill":"both"}] [{"selector":"#anim-73a66f14-663d-4972-bdc5-2df46cfef56f","keyframes":{"opacity":[0,1]},"delay":950,"duration":800,"easing":"cubic-bezier(0.4, 0.4, 0.0, 1)","fill":"both"}] [{"selector":"#anim-1e580a94-0ce4-42d5-8b28-df09d6018479","keyframes":{"opacity":[0,1]},"delay":1250,"duration":500,"easing":"cubic-bezier(0.4, 0.4, 0.0, 1)","fill":"both"}] ★ § 6 · CREDIT CARDS Nonprofit counselors can set up a debt management plan for you. Photo: U.S. National Archives / Wikimedia Commons (public domain)

Penalty APR Risk

[{"selector":"#anim-401d6c4a-8fcc-49df-b2f0-b55b0252924a [data-leaf-element=\"true\"]","keyframes":{"transform":["translate(0%, 0%) scale(1.5)","translate(0%, 0%) scale(1)"]},"delay":0,"duration":8000,"easing":"cubic-bezier(.3,0,.55,1)","fill":"forwards"}] [{"selector":"#anim-ab1f6d3d-c988-4a4d-9555-555d6693e932","keyframes":{"opacity":[0,1]},"delay":0,"duration":600,"easing":"cubic-bezier(0.2, 0.6, 0.0, 1)","fill":"both"}] [{"selector":"#anim-d0015137-c1a5-41e4-8f79-ceadd9b963db","keyframes":{"transform":["translate3d(0px, 130.97797%, 0)","translate3d(0px, 0px, 0)"]},"delay":0,"duration":600,"easing":"cubic-bezier(0.2, 0.6, 0.0, 1)","fill":"both"}] [{"selector":"#anim-e3a1e125-1cfd-4459-8103-8c2f1dcdefd6","keyframes":{"opacity":[0,1]},"delay":0,"duration":600,"easing":"cubic-bezier(0.2, 0.6, 0.0, 1)","fill":"both"}] [{"selector":"#anim-90cefbb3-7afc-4143-b12e-baad520967a1","keyframes":{"transform":["translate3d(0px, 135.71817%, 0)","translate3d(0px, 0px, 0)"]},"delay":0,"duration":600,"easing":"cubic-bezier(0.2, 0.6, 0.0, 1)","fill":"both"}] [{"selector":"#anim-7bd66785-189b-4d12-acaf-bb32ff7758cb","keyframes":{"transform":["translate3d(-808.33304%, 0px, 0)","translate3d(0px, 0px, 0)"]},"delay":400,"duration":800,"easing":"cubic-bezier(.2, 0, .8, 1)","fill":"both"}] [{"selector":"#anim-2d750846-cab7-4b7c-b79a-2256db87c0e6","keyframes":{"transform":["rotateZ(-180deg)","rotateZ(0deg)"]},"delay":400,"duration":800,"easing":"cubic-bezier(.2, 0, .5, 1)","fill":"forwards"}] [{"selector":"#anim-408a4d58-8067-4673-9b03-5415988c9ab0","keyframes":{"transform":["translate3d(-808.33304%, 0px, 0)","translate3d(0px, 0px, 0)"]},"delay":400,"duration":800,"easing":"cubic-bezier(.2, 0, .8, 1)","fill":"both"}] [{"selector":"#anim-089271d6-ffd7-4f37-ab9f-65e53328aae8","keyframes":{"transform":["rotateZ(-180deg)","rotateZ(0deg)"]},"delay":400,"duration":800,"easing":"cubic-bezier(.2, 0, .5, 1)","fill":"forwards"}] [{"selector":"#anim-1a677785-129d-4cc9-bfad-520a002bb5cb","keyframes":{"opacity":[0,1]},"delay":450,"duration":500,"easing":"cubic-bezier(0.4, 0.4, 0.0, 1)","fill":"both"}] [{"selector":"#anim-acd2e1e1-2c1d-441f-9de7-fe746a63ece9","keyframes":{"opacity":[0,1]},"delay":600,"duration":800,"easing":"cubic-bezier(0.4, 0.4, 0.0, 1)","fill":"both"}] [{"selector":"#anim-36cb6cb2-ab7e-4ed3-be51-d3e6621513bc","keyframes":{"opacity":[0,1]},"delay":850,"duration":500,"easing":"cubic-bezier(0.2, 0.6, 0.0, 1)","fill":"both"}] [{"selector":"#anim-43630c6d-09cb-412d-89d1-8c5bb65fbfa1","keyframes":{"transform":["translate3d(-156.66667%, 0px, 0)","translate3d(0px, 0px, 0)"]},"delay":850,"duration":500,"easing":"cubic-bezier(0.2, 0.6, 0.0, 1)","fill":"both"}] [{"selector":"#anim-4e2b6df6-629a-4fd4-87b3-b30c4c734e95","keyframes":{"opacity":[0,1]},"delay":950,"duration":800,"easing":"cubic-bezier(0.4, 0.4, 0.0, 1)","fill":"both"}] [{"selector":"#anim-9acfcb5c-6ed1-4662-8cd5-a14782b1378c","keyframes":{"opacity":[0,1]},"delay":1250,"duration":500,"easing":"cubic-bezier(0.4, 0.4, 0.0, 1)","fill":"both"}] ★ § 7 · CREDIT CARDS At 60 days late, your issuer may raise the rate on your balance. Photo: Jim Evans / Wikimedia Commons (CC BY-SA 4.0)

Charge-Off at 180

[{"selector":"#anim-2900bcf9-e87c-4591-beef-3b9d43e74172 [data-leaf-element=\"true\"]","keyframes":{"transform":["translate(0%, 0%) scale(1.5)","translate(0%, 0%) scale(1)"]},"delay":0,"duration":8000,"easing":"cubic-bezier(.3,0,.55,1)","fill":"forwards"}] [{"selector":"#anim-e073052d-c368-47a0-97fa-3a85b5846b3b","keyframes":{"opacity":[0,1]},"delay":0,"duration":600,"easing":"cubic-bezier(0.2, 0.6, 0.0, 1)","fill":"both"}] [{"selector":"#anim-f1ea4761-f1f2-44d3-8430-3b797d28569f","keyframes":{"transform":["translate3d(0px, 130.97797%, 0)","translate3d(0px, 0px, 0)"]},"delay":0,"duration":600,"easing":"cubic-bezier(0.2, 0.6, 0.0, 1)","fill":"both"}] [{"selector":"#anim-2ec321f8-c92a-487e-b08d-4322eac84f81","keyframes":{"opacity":[0,1]},"delay":0,"duration":600,"easing":"cubic-bezier(0.2, 0.6, 0.0, 1)","fill":"both"}] [{"selector":"#anim-baebac1e-af4e-4efc-bcb7-4c931b394d62","keyframes":{"transform":["translate3d(0px, 135.71817%, 0)","translate3d(0px, 0px, 0)"]},"delay":0,"duration":600,"easing":"cubic-bezier(0.2, 0.6, 0.0, 1)","fill":"both"}] [{"selector":"#anim-fcdc8e64-0ce0-4d68-b713-cc455972a842","keyframes":{"transform":["translate3d(-808.33304%, 0px, 0)","translate3d(0px, 0px, 0)"]},"delay":400,"duration":800,"easing":"cubic-bezier(.2, 0, .8, 1)","fill":"both"}] [{"selector":"#anim-f3933340-4960-473b-8f8c-c6761b42c0cb","keyframes":{"transform":["rotateZ(-180deg)","rotateZ(0deg)"]},"delay":400,"duration":800,"easing":"cubic-bezier(.2, 0, .5, 1)","fill":"forwards"}] [{"selector":"#anim-bad84129-7d95-4c2e-aa8b-70f4c65c3296","keyframes":{"transform":["translate3d(-808.33304%, 0px, 0)","translate3d(0px, 0px, 0)"]},"delay":400,"duration":800,"easing":"cubic-bezier(.2, 0, .8, 1)","fill":"both"}] [{"selector":"#anim-e9ff5974-0874-419c-9d18-67d0dbac0d19","keyframes":{"transform":["rotateZ(-180deg)","rotateZ(0deg)"]},"delay":400,"duration":800,"easing":"cubic-bezier(.2, 0, .5, 1)","fill":"forwards"}] [{"selector":"#anim-2bad52c5-3f20-431f-8475-15b39b2d9915","keyframes":{"opacity":[0,1]},"delay":450,"duration":500,"easing":"cubic-bezier(0.4, 0.4, 0.0, 1)","fill":"both"}] [{"selector":"#anim-b0b1533e-fb3b-4a7d-9e4f-99295e75e96c","keyframes":{"opacity":[0,1]},"delay":600,"duration":800,"easing":"cubic-bezier(0.4, 0.4, 0.0, 1)","fill":"both"}] [{"selector":"#anim-22b01ada-a9b5-4b09-a3c6-985d0e45571d","keyframes":{"opacity":[0,1]},"delay":850,"duration":500,"easing":"cubic-bezier(0.2, 0.6, 0.0, 1)","fill":"both"}] [{"selector":"#anim-7966a839-9dc5-40c3-a6f5-8cf5ed80bae5","keyframes":{"transform":["translate3d(-156.66667%, 0px, 0)","translate3d(0px, 0px, 0)"]},"delay":850,"duration":500,"easing":"cubic-bezier(0.2, 0.6, 0.0, 1)","fill":"both"}] [{"selector":"#anim-69114845-96c9-47c5-a3a4-61c5de98fe04","keyframes":{"opacity":[0,1]},"delay":950,"duration":800,"easing":"cubic-bezier(0.4, 0.4, 0.0, 1)","fill":"both"}] [{"selector":"#anim-dea940af-efcc-404a-ab57-4cd574b18ef1","keyframes":{"opacity":[0,1]},"delay":1250,"duration":500,"easing":"cubic-bezier(0.4, 0.4, 0.0, 1)","fill":"both"}] ★ § 8 · CREDIT CARDS Around 180 days late, the debt is usually charged off. You still owe it. Photo: Wikimedia Commons (public domain)

Know Your Rights

[{"selector":"#anim-a5ffd86b-b91e-4802-905c-9488df083174 [data-leaf-element=\"true\"]","keyframes":{"transform":["translate(0%, 0%) scale(1.5)","translate(0%, 0%) scale(1)"]},"delay":0,"duration":8000,"easing":"cubic-bezier(.3,0,.55,1)","fill":"forwards"}] [{"selector":"#anim-b2d2622b-fe6e-4a03-8931-f0c5a8224455","keyframes":{"opacity":[0,1]},"delay":0,"duration":600,"easing":"cubic-bezier(0.2, 0.6, 0.0, 1)","fill":"both"}] [{"selector":"#anim-3cc955ee-569f-437b-a44a-add9c439a3dd","keyframes":{"transform":["translate3d(0px, 130.97797%, 0)","translate3d(0px, 0px, 0)"]},"delay":0,"duration":600,"easing":"cubic-bezier(0.2, 0.6, 0.0, 1)","fill":"both"}] [{"selector":"#anim-2b3d9a40-09fe-4e96-a4f4-5911ca12b91f","keyframes":{"opacity":[0,1]},"delay":0,"duration":600,"easing":"cubic-bezier(0.2, 0.6, 0.0, 1)","fill":"both"}] [{"selector":"#anim-3a65672b-0554-46ad-9416-dfaa6aeed838","keyframes":{"transform":["translate3d(0px, 135.71817%, 0)","translate3d(0px, 0px, 0)"]},"delay":0,"duration":600,"easing":"cubic-bezier(0.2, 0.6, 0.0, 1)","fill":"both"}] [{"selector":"#anim-a1c31772-0345-4046-b043-f5f60152d07d","keyframes":{"transform":["translate3d(-808.33304%, 0px, 0)","translate3d(0px, 0px, 0)"]},"delay":400,"duration":800,"easing":"cubic-bezier(.2, 0, .8, 1)","fill":"both"}] [{"selector":"#anim-8b7d128d-fde3-48ab-8a6c-0032949f16e1","keyframes":{"transform":["rotateZ(-180deg)","rotateZ(0deg)"]},"delay":400,"duration":800,"easing":"cubic-bezier(.2, 0, .5, 1)","fill":"forwards"}] [{"selector":"#anim-bdeb56d4-dd48-4b18-8909-1aaa0ed0bbbe","keyframes":{"transform":["translate3d(-808.33304%, 0px, 0)","translate3d(0px, 0px, 0)"]},"delay":400,"duration":800,"easing":"cubic-bezier(.2, 0, .8, 1)","fill":"both"}] [{"selector":"#anim-67cc6456-10ed-4369-8597-7a562bf4c9e8","keyframes":{"transform":["rotateZ(-180deg)","rotateZ(0deg)"]},"delay":400,"duration":800,"easing":"cubic-bezier(.2, 0, .5, 1)","fill":"forwards"}] [{"selector":"#anim-cefe3c07-5310-4e13-ac55-bf91e154a750","keyframes":{"opacity":[0,1]},"delay":450,"duration":500,"easing":"cubic-bezier(0.4, 0.4, 0.0, 1)","fill":"both"}] [{"selector":"#anim-dd98e895-6bf2-45a6-87f6-592945312630","keyframes":{"opacity":[0,1]},"delay":600,"duration":800,"easing":"cubic-bezier(0.4, 0.4, 0.0, 1)","fill":"both"}] [{"selector":"#anim-6c321db0-929d-4ed5-ac41-f827e08bea19","keyframes":{"opacity":[0,1]},"delay":850,"duration":500,"easing":"cubic-bezier(0.2, 0.6, 0.0, 1)","fill":"both"}] [{"selector":"#anim-d5bec5a9-24ab-4133-b367-4b966ed12bba","keyframes":{"transform":["translate3d(-156.66667%, 0px, 0)","translate3d(0px, 0px, 0)"]},"delay":850,"duration":500,"easing":"cubic-bezier(0.2, 0.6, 0.0, 1)","fill":"both"}] [{"selector":"#anim-84df850f-ca6f-4952-ac40-9156f9ff99d3","keyframes":{"opacity":[0,1]},"delay":950,"duration":800,"easing":"cubic-bezier(0.4, 0.4, 0.0, 1)","fill":"both"}] [{"selector":"#anim-8dd44b6c-e61f-495e-90db-af89587a14b6","keyframes":{"opacity":[0,1]},"delay":1250,"duration":500,"easing":"cubic-bezier(0.4, 0.4, 0.0, 1)","fill":"both"}] ★ § 9 · CREDIT CARDS Collectors can't threaten you and generally can't call over 7 times in 7 days. Photo: G. Edward Johnson / Wikimedia Commons (CC BY 4.0)

Thanks for Reading

[{"selector":"#anim-216b862a-8daa-46ac-ac12-b40639f6e664 [data-leaf-element=\"true\"]","keyframes":{"transform":["translate(0%, 0%) scale(1.5)","translate(0%, 0%) scale(1)"]},"delay":0,"duration":8000,"easing":"cubic-bezier(.3,0,.55,1)","fill":"forwards"}] [{"selector":"#anim-247a5aa1-743f-4984-b4ba-06a4250ee3dd","keyframes":{"opacity":[0,1]},"delay":0,"duration":700,"easing":"cubic-bezier(0.2, 0.6, 0.0, 1)","fill":"both"}] [{"selector":"#anim-7a4b59b1-76ff-42ad-a51b-c16ef2771e08","keyframes":{"transform":["translate3d(0px, 134.70284%, 0)","translate3d(0px, 0px, 0)"]},"delay":0,"duration":700,"easing":"cubic-bezier(0.2, 0.6, 0.0, 1)","fill":"both"}] [{"selector":"#anim-a2461b7f-9342-418d-b63c-0d0850c28161","keyframes":{"transform":["translate3d(-352.94123%, 0px, 0)","translate3d(0px, 0px, 0)"]},"delay":400,"duration":800,"easing":"cubic-bezier(.2, 0, .8, 1)","fill":"both"}] [{"selector":"#anim-d775387e-92b8-40d6-8779-46a122f7b9a7","keyframes":{"transform":["rotateZ(-180deg)","rotateZ(0deg)"]},"delay":400,"duration":800,"easing":"cubic-bezier(.2, 0, .5, 1)","fill":"forwards"}] [{"selector":"#anim-f1e9d567-e01b-4db5-966c-ec0342f5e8d6","keyframes":{"opacity":[0,1]},"delay":700,"duration":500,"easing":"cubic-bezier(0.4, 0.4, 0.0, 1)","fill":"both"}] [{"selector":"#anim-63601cd7-22b1-4a53-afdb-d4bea4de9329","keyframes":{"opacity":[0,1]},"delay":800,"duration":600,"easing":"cubic-bezier(0.4, 0.4, 0.0, 1)","fill":"both"}] [{"selector":"#anim-5ee482a0-a838-41cd-ba1c-e7762dd08c51","keyframes":{"opacity":[0,1]},"delay":900,"duration":900,"easing":"cubic-bezier(0.4, 0.4, 0.0, 1)","fill":"both"}] [{"selector":"#anim-87b0542e-78ed-4083-8035-8e79306da017","keyframes":{"opacity":[0,1]},"delay":1200,"duration":500,"easing":"cubic-bezier(0.2, 0.6, 0.0, 1)","fill":"both"}] [{"selector":"#anim-b9263412-45a0-48d0-a7e0-e3d4a7283aed","keyframes":{"transform":["translate3d(-393.33329%, 0px, 0)","translate3d(0px, 0px, 0)"]},"delay":1200,"duration":500,"easing":"cubic-bezier(0.2, 0.6, 0.0, 1)","fill":"both"}] [{"selector":"#anim-53624221-fd07-478c-bf96-daf8aa828a9f","keyframes":{"opacity":[0,1]},"delay":1300,"duration":800,"easing":"cubic-bezier(0.4, 0.4, 0.0, 1)","fill":"both"}] [{"selector":"#anim-0a85e175-dcec-4da3-a03e-425c667bec34","keyframes":{"opacity":[0,1]},"delay":1700,"duration":600,"easing":"cubic-bezier(0.2, 0.6, 0.0, 1)","fill":"both"}] [{"selector":"#anim-39e79659-9b5b-42eb-97c0-37042c37ae9c","keyframes":{"transform":["translate3d(0px, 544.6581%, 0)","translate3d(0px, 0px, 0)"]},"delay":1700,"duration":600,"easing":"cubic-bezier(0.2, 0.6, 0.0, 1)","fill":"both"}] [{"selector":"#anim-f9e61990-f80d-4b2f-bccb-fad55e2a1ffd","keyframes":{"transform":["scale(1)","scale(1.04)","scale(0.996)","scale(1)"],"offset":[0,0.33,0.66,1]},"delay":2500,"duration":1500,"easing":"ease-in-out","fill":"both","iterations":"infinity"}] [{"selector":"#anim-01fb6968-e5b1-47c7-ac46-35f238bbe5d2","keyframes":{"opacity":[0,1]},"delay":1700,"duration":600,"easing":"cubic-bezier(0.2, 0.6, 0.0, 1)","fill":"both"}] [{"selector":"#anim-b16eb8ff-bb10-4457-a4f1-1fcfdbd3ae99","keyframes":{"transform":["translate3d(0px, 1219.19199%, 0)","translate3d(0px, 0px, 0)"]},"delay":1700,"duration":600,"easing":"cubic-bezier(0.2, 0.6, 0.0, 1)","fill":"both"}] [{"selector":"#anim-ba00fe17-1f49-4ed8-9b4e-8ce43de60c82","keyframes":{"opacity":[0,1]},"delay":1900,"duration":500,"easing":"cubic-bezier(0.4, 0.4, 0.0, 1)","fill":"both"}] [{"selector":"#anim-2f92cba7-43b9-40e4-8ab3-8d4aed15f0fa","keyframes":{"opacity":[0,1]},"delay":2000,"duration":500,"easing":"cubic-bezier(0.4, 0.4, 0.0, 1)","fill":"both"}] ★ ★ ★ What happens at 30, 60 and 180 days, and how to get help, in our full guide. READ THE FULL GUIDE → nexgenheadlines.com Shop bill organizers on Amazon → Photos: Wikimedia Commons (credits on each page)