Need help consolidating my credit cards

if you do keep spending your situation will get worse, rather than better.

You can also consolidate your credit card debt by taking out a personal or consolidation loan to pay off your credit card balances.

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In this form of “consolidation” you make one payment to a debt settlement firm that then distributes the amount among your creditors.

Step Change Debt Remedy, our online debt advice tool, can identify the best debt solution for your personal circumstances, and we can help you every step of the way.

The term “consolidation” is used to describe two very different credit-related services.

Again, be careful to check the interest rate and terms and conditions to make sure you won’t be adding to your debt, or paying it back over a much longer period of time.

If you take out a loan, always repay the credit card debt and destroy the card so that you're not tempted into using it again.

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