5 Ways to Consolidate Credit Card Debt

Consolidating your credit card debt may be a good idea if the new debt has a lower APR than your credit cards.
Jackie Veling
By Jackie Veling 
Edited by Kim Lowe

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Many people struggle with credit card debt at one point or another, and the higher your balances, the harder it can be to pay them off, especially when you consider compounding interest.

Consolidation is a way to move high-interest debt onto a lower-interest product, like a balance transfer credit card or a credit card consolidation loan, which then makes it easier to pay off. But this strategy isn’t for everyone, and you should weigh your consolidation options carefully.

The best choice will depend on how much debt you have, your credit score and other factors explained below.

Best ways to consolidate credit card debt

Here are five effective and safe ways to pay off your credit card debt: