When you have your credit card debt spread out among multiple credit cards it can be harder to keep track of what you owe, and when bills are due. It is easier if all of this debt is in one place so you only have to deal with one bill. This is where consolidating credit card debt can be helpful. There are a number of different methods for this, each with their own advantages and disadvantages.

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One method of consolidating credit card debt is to use the balance transfer option available with many credit cards. The best time to do this is when you switch to a new credit card that gives you a very low rate (many have 0% introductory rates) without balance transfer fees.

You can also take advantage of deals offered by the credit card you have with the lowest interest rate. Just be careful that you don't add too much to your debt with fees. This is an easy way to consolidate debt on your own.

If you are tired of dealing with credit card companies and have good credit in general, you can also try consolidating credit card debt by going to your bank and getting a loan at a lower interest rate (usually much lower than that offered by the credit card companies). You then use this money to pay off your credit cards, and you just pay the bank each month. However, if you have bad credit you might be required to get a secured loan in order to do this, and it would be best to avoid this otherwise you could lose your property if something happens and you can't pay the loan off. It isn't good to switch unsecured debt (such as credit card debt) to secured debt.

For those who need some real help with consolidating credit card debt and learning how to stay out of debt once their credit card debt is paid off, there are a number of debt consolidation companies that can help you out. Many of these may charge fees, but they will provide debt counseling, and set up a payment plan. They will also negotiate with all the various companies to get you the best possible rates and terms and conditions. You will then pay the company once each month and they will handle the payments to the credit card companies for you. Just be sure to choose a reputable company.
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