If you have a very good credit score (700 or above), the best way to consolidate credit card debt is to apply for a 0% interest balance transfer credit card.
If you need help getting out of debt, you are not alone.
Although signs show an upturn in the economy, many Americans are deep in debt, and not everyone can work overtime or a second job to pay down that debt.
All payments made during that time will go toward reducing your balance.
When the introductory rate ends, interest rates jump to 13–27% on the remaining balance.
Be aware, however, that balance transfer cards often charge a transfer fee (usually 3%), and some even have annual fees.