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options to consolidating credit cards-28

In recent years, balance transfers have become a less realistic option.

New legislation has caused creditors to require higher minimum payments (so that consumers pay off debts in a timely fashion).

In the best-case scenario, the consumer would open the card during a promotion at a “teaser rate.” This rate is low, sometimes zero percent, and lasts only for a promotional period, say 12 months.

The goal is then to pay down as much as possible before the period ends and the rate jumps to a much higher level.

Taking out a personal loan to consolidate your debt lets you put all of your debt in one place as you work to pay off the loan, often at lower rates.

Last modified 11-Dec-2019 06:05