Consilidating credit card debt

Add in mortgage payments and student loans – plus a cost of living that's outpacing income growth – and it's no wonder that the average American is looking for credit card debt relief.Often, credit card debt is spread across several different cards, leading to multiple statements and payments.A borrower with a strong credit history and ability to repay – and valuable collateral – is more likely to earn the most favorable interest rate terms.Learn more about financial jargon by reading a Glossary of Financial Terms.Your available credit is your credit limit minus your current balance and any pending charges.

Personal loans and balance transfers offer ways to consolidate a wide variety of debts, making repayment more convenient and efficient.In both cases, a borrower with a strong application could potentially save money on interest charges.But although personal loans and balance transfers are somewhat similar, specific terms make personal loans and balance transfers quite different.For example, if you used your car as collateral but don't pay the loan back as promised, your lender can take possession of your car.For more tips on managing debt, read 5 Surprising Ways to Help Manage Credit Card Debt. Therefore, the interest rate can go up or down, resulting in payments that may change.

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