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The best way to consolidate credit card debt — and whether consolidation will work for you at all — depends on your situation, so you might want to consult a non-profit credit counselor about your best options.

The following five tips can help you figure out which credit card consolidation strategy suits you best.

Here’s how credit card consolidation works: You first decide if you want to take out a new loan, open a new credit card or enroll in a debt management plan (more on that later).

However, a low interest debt consolidation loan can only do so much. It merely resets your interest rate so you can start pay it off faster.

Then you’ll only have one monthly payment: the loan, the credit card or the debt management plan.

Not only does that simplify your debt payments, it can also help you save money.

If automatic payments are not selected, or are canceled for any reason at any time after account opening, the interest rate and the corresponding monthly payment may increase.

Providers of Care One Debt Relief Services are industry leaders committed to offering the best debt management programs available.




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