Consolidate Credit Cards May 2026

You take out a fixed-rate personal loan from a bank or credit union and use that cash to pay off all your cards. You then pay back the loan in fixed monthly installments.

Taming the Plastic: A No-Nonsense Guide to Credit Card Consolidation consolidate credit cards

I can help you compare a balance transfer versus a personal loan based on your current balances. You take out a fixed-rate personal loan from

You need a good score to qualify for those low-interest loans or 0% cards. a 3-year plan).

Many banks offer "teaser" rates for new customers. You move your high-interest balances to a new card that charges for a set period (usually 12–21 months).

People who want a predictable "end date" for their debt (e.g., a 3-year plan).