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Promotional interest rates expire — like 12 months of a 0% APR on a balance transfer card — so make sure you can repay your debt within that time frame. Failing to pay a personal loan as agreed will hurt your credit, so stay on top of your loan payments and work to build up a solid payment history.
No matter what credit card consolidation options you’re considering, be sure to ask about any fees you may have to pay and factor those numbers into your decision.
Therefore, make sure you are ready to live credit card free for a while.
For consumers with good credit, there are several credit card balance transfer, and low-interest rate available.Not only does that simplify your debt payments, but it can also help you save money by making you pay only one interest rate, rather than several.