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Please help us keep our community civil and respectful.For your safety, do not disclose confidential or personal information such as bank account numbers or social security numbers."Just call your current credit card company and say, 'Hey, I've been a customer for X amount of years. I've got five offers in front of me for 4 percent.' Sometimes they can offer you something better," he says. Downsize your wallet There's another reason to consider consolidating credit cards, says Lynne Strang, a spokeswoman for the American Financial Services Association Education Foundation, an organization that focuses on teaching money management skills."There is some value in using one or two cards to consolidate purchases," Strang says.Anything you post may be disclosed, published, transmitted or reused.If you are commenting using a Facebook account, your profile information may be displayed with your comment depending on your privacy settings.

"That can drastically hurt your credit report and score." He, too, recommends reading the terms and conditions of the credit card agreement. An example of a fee is 3 percent of the transferred amount up to a certain capped dollar amount, however, recently credit card issuers have been eliminating the cap."If you think you're having money problems, you are," Tehan says "If you can't afford the minimum payment, then you really need to take action.Consider consolidation, debt management, bankruptcy, paring down your expenses and cutting back on entertainment." Stroh from adds more words of warning about a common mistake made by those who consolidate credit card debt: "If and when you consolidate those credit cards, please put them in a bowl of water and stick them in a freezer and do not make the common error of running those cards back up.HELOCs had been a popular method to consolidate credit card debt prior to mid-2007."The market has changed and consumers need to be aware of that," says Brad Stroh, managing partner of, a website that helps consumers manage and pay their monthly bills.For homeowners, first pursue a refinance and then a HELOC because those are your lowest cost of capital options and they are tax deductible --assuming you have equity that's available to you." As for renters, "If you're not a homeowner, look for balance transfers or teaser rates on new cards to pay down your other debts.

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