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How to consolidate credit cards

Want to know how to consolidate credit cards?

If you have big balances on several credit cards, you’re probably looking to find out how to consolidate credit cards to save money and make your finances simpler. Making multiple payments to credit card companies each month is no fun, especially if you’re only making the minimum payments and not actually seeing your balances go down.

Consolidating credit cards usually means transferring balances to a new card at a lower interest rate or taking out a loan to pay off all your cards. The idea is that if the interest rate on your new card or loan is lower than the combined rate on your existing cards, you’ll be saving money on interest each month. And making one payment per month (instead of multiple payments to different creditors) can help to relieve some of the stress of owing money and help to make sure you stay on time with your payments.

How to consolidate credit cards:

  • Contact a credit counseling agency to help determine consolidation options , the potential cost of consolidation and get further debt advice.
  • Choose the best consolidation option that will work with your particular financial situation keeping in mind the terms and costs discussed with counselor.
  • Review all terms and conditions of your consolidation option before you move forward.
  • Make the official commitment and follow through on your obligations.

Learn how to consolidate credit cards effectively with ACCC.

The trick with these approaches is to learn how to consolidate credit cards to actually pay down your debt. With balance transfers, consumers often find that their balances just continue to rise because they haven’t figured out how to consolidate credit cards while also living within their means. Credit card loan consolidation also frequently does not bring the kind of debt relief you might think, because consumers did not know how to consolidate credit cards in a way that would let them actually get out of debt.

When you want to know how to consolidate credit cards effectively, contact the certified credit counselors at American Consumer Credit Counseling (ACCC). Through a free credit counseling session, we can help you understand whether credit card consolidation is the right option for you, and give you the pros and cons of credit card debt forgiveness, debt management, credit card debt negotiation and other ways to pay off your debt.

How to consolidate credit cards through debt management.

When people want to know how to consolidate credit cards in a way that will actually help them get out of debt, we often suggest a credit card debt management program. Under this plan you won’t take out a new loan or transfer balances to a new card. Instead, you’ll work with us to create a budget you can live with and then you’ll make just one payment on your debts every month to us. Our team will pay your creditors on time each month, and submit proposals to them to reduce your interest rates and finance charges to help you save money. This means less stress for you over paying bills every month, and with our help you’ll be on a steady path toward financial freedom that will have you out of debt within five years or less.

Learn more about how to consolidate credit cards with ACCC, and get answers to questions like “What is a debt consolidation loan?” And “What is a unsecured credit card?”

See if our Debt Management Program is right for you Should you consolidate your debt? See how much it really costs to use your credit cards

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