I've kind of asked this before on here, but I think my question was misunderstood. I'm wanting to know what is the best way to consolidate this debt in order to lower monthly payments and get it paid off quicker. In other words lower the amount that has to be paid, but pay more on it and with lower interest.

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I think REASONS FOR CREDIT CARD CONSOLIDATION
1] Because interest rates are high
2] Because of the annual fees
3] Consolidating the credit card debt as a personal loan
4] Because we now have a bad credit rating
5] Because they’re paying me to do it

so which is your main reasons way to consolidate personal loan and credit card debt ?

Hi - How much is it you are looking to consolidate? It may well be worth us having a chat with you as we can give you some free advice and point you in the right direction as depending on your circumstances depends on the best way forward. Please feel free to Private Message me and I can give you my number to contact me or alternatively pop your number on there and I can give you a call.

I was just looking out for this points and got this post.
its great to know more about it and i liked the information u have shared..
thanks for adding a very informtve post..
thanks..

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According to my personal experience i think the best way to consolidate debt is to take a personal loan to pay off the debt. Bank interest rates are a fraction of credit card APR today and you might save hundreds of dollars a month. The bank loan will have a fixed monthly payment over a fixed number of months. You will know what the interest rate is when you take the loan and that will not change.

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If you are to ask me. The best way to consolidate your loans is to talk to the bank/s to whom you have loans. Most banks are willing to reconsider their clients situation, as long as they see that you are really interested in clearing all your debts. Most banks offer consolidation of loans or extending terms. So you don't actually need to pay other companies to do the talking and consolidation for you because banks offer these terms too, all you have to do is ask them.

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