Credit Card Debt Relief During the Pandemic

Credit Card Debt Relief During the Pandemic eBuilderz featured image

The credit card bills that were accumulating started to pile up. People turned to a credit card consolidation loan. Before the pandemic, Americans had a 7-year line of credit card delinquencies. So with 26 million Americans applying for new unemployment benefits, this will be even worse when the next round of data starts to pour in. 

The government has instructed the credit card companies to give forbearance, which means breathing room. No fees and penalties. And that is causing problems with credit card companies themselves. Nobody feels bad for them. They know that many people won’t be able to pay off for a long period of time. So the banks that have credit cards as their main business are going to take a hit. 

See More How to Choose a Marketing Agency

With forbearance, people have a breathing room of 3 months. However, many of these companies are quite tricky. They hold their interest charges but then they are creating a balloon payment at the other end of this. 

And they are also shutting down landing facilities. It means that you might have thought your credit card limit was 12,000 dollars, and the issuer might say, “well, you know it’s 5,000 dollars.” And they can do that. It’s perfectly legal. But before you start running your credit card bill, be sure to understand your limit of Indigo Apply credit card and what the rules are surrounding this forbearance period.

If you are on edge, if you are unemployed, if you’ve been negatively impacted financially by this pandemic, it’s all about conserving your cash. So you shouldn’t be in a rush to pay any debt. People want to get rid of that debt. In normal times it’s ok to pay high interest. However, these are not normal times. We are at the extreme. You’ve got to conserve your cash for a rainy day. So the time to pay off debt will be when you understand your financial condition in the next 60 to 90 days. 

For now, don’t be in a rush to pay off any of your debts, conserve your cash, do prioritize your bills. There is a great tool that you can use for this. You can find it on the website of the Consumer Financial Bureau. If you google “Bill priority tool CFPB,” you’ll see it there. 

Also, You Can Read 17 Best Money Making Apps of 2020 That Pay Real Money & Cash

The only highest priority for you that should be right now is feeding you and your family. Everything else is negotiable. This is not the time to worry about pulling yourself out of a credit card debt. Of course, if you have a job, it seems secure, you’ve got the cash flow, and you feel you can pay off that debt, feel free to do so—the same with the student loans. There is no interest being charged on Federal student loans until September 30th. 

But if you don’t have 6 to 12 months of living expenses sitting in a safe place, make that the number one priority. 


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How To Use Youtube Downloader

How To Use Youtube Downloader eBuilderz featured image

There’s no denying the fact that Youtube is one of the biggest video platforms on the web. Every day, millions of people across the globe consume its content. This is why its popularity has spread over the lengths and breaths of this world. Today, if you want to download a video from Youtube, you need to be mindful of a number of things. The most coherent benefit of using Youtube is, it is home to all kinds of content. So whether you’re looking for something educational or recreational reasons, Youtube will easily suffice for your needs. Secondly, Youtube also offers the same content in different qualities so that you don’t have to worry about the slow speed of your internet connection. As the reliance on Youtube continues to grow exponentially, many people crave its content, even if they don’t have an active internet connection.

Luckily, with the use of downloading software, you can extract valuable content from this platform easily. However, with so many downloading software’s being available for the people, choosing the right one can be a very daunting task. Here, in this feature, we will guide you through a few tips to use the Youtube downloader.

If you don’t know, Youtube downloader is a popular software used by millions of people globally. Here are a few steps for using it:

Visit The Official Website

The first and most obvious step to take is to visit the official website of the youtube downloader. Once you arrive on the home page, you will be guided through 4 options, which are:

  • Youtube Downloader
  • Facebook Downloader
  • Instagram Downloader
  • Instagram Stories Downloader

Depending on your requirements, you need to click on one of these to reach the next step.

Make Your Choice

Let’s suppose you click on the Youtube downloader, the tab will provide you with three options, which are:

  • For Windows
  • For Mac
  • For Android

Once you click on any one of them, the link will direct you to the main page from where you can install the software according to your device. For example, if you want to install the Youtube downloader for your PC, a small icon of this software will be present on your home screen. However, if you don’t come across the icon of this software on the home screen, there is no need to panic but click on the refresh button a certain number of times.

Using the Youtube Downloader

Unlike other conventional Youtube downloaders, this software is easy to use and can be quickly operated. Especially if you want to convert Youtube videos into different formats such as mp3, WMA, mp4, or mov, the Youtube downloader is going to prove itself as the right choice. Make sure you have enough space on your computer for this software.

If you have any problem using this software, you can check the official website. In the FAQ section, each of your questions will be answered. This way, you can rest assured that the software will solve your issues when downloading a high-quality video from Youtube. However, if you are still confused about your questions, you can watch a video tutorial on Youtube to use this software. Because Youtube is actively being used by 2 billion people every day, many of them will be willing to educate you about using different software on the web.

Downloading in Different Formats

Keep in mind, when you decide to download a Youtube video into a different format, the quality will get compromised for sure. For instance, if you’re downloading a high-quality video on your phone, it will not be of the same result as it is on Youtube. Similarly, when a file is compressed into an audio format, the results aren’t often worth it. Luckily, with a Youtube downloader, you can get rid of stress related to the quality of your video and audio files.

If you are skeptical about using the Youtube downloader, it is in your best interest to read the customer reviews. They will help you in cementing your decision about installing this software. Keep in mind, you cannot play the Youtube video on every handy gadget because of the different settings. This is why it is crucial for you to use the Youtube downloader to convert your favorite videos into different content.

What Are The Other Ways to Download a Youtube Video?

If you aren’t using the Youtube downloader, there are several other ways to download videos from this platform.

  1. Install The Official Application

If you don’t have the official application of Youtube on your phone or tablet, now is the best time to do it. Keep in mind, you can download the Youtube videos in offline mode. However, because everyone settles or different settings, not all videos are downloadable. When you browse a video on Youtube, you will see the download button placed in the bottom right of the video. Once you click on it, the video will get downloaded in the official app. Not to forget, if the download button doesn’t work, you will have to use the Youtube downloader.

  1. Choose the 4K Downloading Software

If you want to download Youtube videos in high quality, you must download 4K software. It will help you in downloading your favorite content without any cut in the quality. Once you download it in your home, you need to paste the URL of the video in this software and allow it to extract it. This process will hardly take a few minutes, depending on the size of your video. However, if you’re downloading a lengthy video, it might take an hour or something. Make sure to have a stable internet connection to get things done fast.


If you want to enjoy the Youtube videos to the fullest, it is best for you to view them online. However, If you have plans to travel or spend some time in the forest, you won’t have access to a fast internet connection. In such situations, you can plan to download your favorite stuff from Youtube to view later.