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When is Credit Card Consolidation a Good Idea?

Posted on January 17, 2022 (August 29, 2023) by baycountry

consolidated credit cards

You’ve heard many advisors say that taking on new debt is a bad idea. There are, however, times when it’s not only a good idea, it’s the best choice for your situation. When is credit card consolidation a good idea? Read on to find out. 1. Too Many Payments to Keep Track Of If […]

The Greatest Compliment Our Clients Can Give is the Referral of Their Friends and Loved Ones.

The lady that helped me was very helpful and courteous.

Bryant Gladney

4/10/2025

Definitely great people help me out and explained every detail

1BOMBSHOW

3/17/2025

Quick and easy loan process highly recommended

Todd Williams

3/06/2025
Everything was perfect Bay country awesome.

Ruth McCullough

3/05/2025

My loan officer was the best thank you

Stacey Hogan

3/04/2025

Great customer service

Michelle Hasty

2/27/2025
Encantada muy amables muy rápido la atención waooo lo recomiendo al 100 %

Sonia Rosado

2/27/2025

Very helpful quick process

ELIZABETH PEELE

2/23/2025

The gentlemen did a great job explaining everything about the loan.

Melvin Banton

2/20/2025
Nice and friendly place. They make you feel comfortable. I will go back to them in the future. That's why I gave them 5 start

Gloria Jenkins

2/13/2025

As usual it was a great experience my loan officer (Johnie) was amazing she made everything quick and easy and money was in my cash app before I left the office. I have been a customer for years and have had many loans as they are the only company that will truly help when no one else will. My first loan prob 20 years ago was rough as my car was repo’d but it was 100% my fault I got behind on my payments and they tried to contact me many of times to work something out but I just ignored the calls so i can honestly say they do try to work with you but you have to communicate with them. Yes interest rates are high but when you have no credit or bad credit that’s how it is they help people that 90% of other financial companies won’t give you the time of day you apply and denied because of low credit score. Bay Country has always been there when I’ve needed financial help and would recommend to family and friends. As long as you pay your bill and communicate with them if needed they are definitely one of the very few companies that will truly help in your time of need!! Thanks Bay Country for always being there for me! Johnie you are Amazing made one of my many experiences there awesome. 👍🏻

Brandie Dunnigan

2/08/2025

After being denied by 4 or 5 other lenders, Bay Country decided to take a chance on me and for that I am very grateful. Unfortunately, APR is high and you do get hit with some fees that will ultimately have you paying a decent amount extra but they are a business and do need to make a profit. Jessica was very helpful and everybody in there was nice. Was able to get approved and receive my funds within 2 hours or so. Thank you guys!

joey turner

2/07/2025
I'm 64 years old and this was the most pleasant experience I have ever had in a closing of any loan company ever. John was so quick and he explained everything so clearly and understandable. I would recommend Bay County Financial Services to all my friends, family and business partners. I am totally impressed. Thanks Bay Country Financial.

Leon Grady

2/05/2025

The people at the Reisterstown office Are very helpful. The customer service was extremely excellent. Thanks for making me feel welcome.

Averil Coleman

2/04/2025

We tried many companies that said that they help people with ALL types of credit. They Lied!! Bay Country were considerate of our situation, courteous, very detailed in what they could offer, and went all out to get us as much as we could to meet our need. We are very appreciative to the BCFS Family!

Sebastian Miles

1/17/2025
So quick and very polite employees. Met my every need every time..

marty coale

12/20/2024

Very professional and everyone here was very kind

Nicole Cheeks

12/19/2024

Very good customer service!!

Juanette Culbreth

12/18/2024
My representive was excellent. I can't even explain how polite and generous she was.

Edgar Lee

12/18/2024

Bayside took a chance on my wife and I when no one else would. They were very courteous, professional, and really worked with us to get us a good loan amount and an even better repayment plan. Kudos to Bayside!!!

Anthony Jones

12/14/2024

Fast and easy!

Rosalind Beck

11/28/2024
Very helpful as well as professional and understood my situation fully.

Dana Bridget

11/28/2024

My experience was a great one.I am a returning customer; consequently, the expectation of customer service was excellent .Thanks

Paslette Graham

11/25/2024

Mr. Dan thank you so much, for caring and helping.

Inga Waters

11/22/2024
Completely simple and easy. I totally would recommend you to a friend

bj reed

11/21/2024

Tony Domingo was amazing , this was the easiest process , friendly, professional and quick. The mere fact that i didn’t have to wait for my check to clear and put right into my account was the best . Thank you , for always being here for my financial needs ❤️

Francine Ray

11/20/2024

The people at Bay Country Financial Services is great and amazing. I recommend them to everyone. Keep up the great work Bay Country Financial Services. It was so nice meeting you guys.

Allate Felicite Yavo

11/20/2024
Customer Service Excellence! That’s the best way I can describe our visit. I completed the application on line, it was quick, easy, and user friendly. We were warmly greeted by Niki and John was very professional, knowledgeable, and efficient throughout the process. The experience exceeded our expectations and we want to say Thank you!

Robert Hines

11/03/2024

My husband and I have been dealing with Bay Country since 2012/13. We have had the best customer service and our finance manager Chris is the best.Thank again and also the awesome gifts we received.Mr. & Mrs. Roots

Gerry Scott-Roots

10/26/2024

Great customer service. Went over and beyond to help us. Would definitely recommend to people.

Tiffany Ewing

10/23/2024

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