Hot free adult sex adult webcam video clips - Does consolidating your credit cards hurt your credit

If you're one of these Americans with credit card debt, you may be making repayments with high interest rates - the average credit card interest rate is about 15 percent.

But instead of dealing with sky-high interest rates, what if you could pay off your credit card debt with a much lower interest rate? But you may be able to do this by using a personal loan.

These are not quick fixes, but rather long-term financial strategies to help you get out of debt.

When done correctly, debt consolidation can: There are several ways to consolidate debt, depending on how much you owe.

The average credit card interest rate is close to 15 percent, although if you have excellent credit, you may qualify for a lower interest rate.