With the ever-increasing popularity of credit cards comes the ever-increasing popularity of credit card debt. Excessive credit card debt can be discouraging and make a person feel desperate. However, there is still hope and help for individuals to reduce their credit card debt and improve their credit score. Credit card debt consolidation is an important step in the right direction. Credit card debt consolidation is the process of consolidating debts from multiple cards into a smaller number of cards. This is sometimes referred to as a balance transfer. The process involves transferring balances from credit cards with higher APRs to credit cards with lower APRs. This results in lower interest payments and gives individuals the opportunity to pay off their debts more quickly. There are other methods for consolidating credit card debt. An individual can apply for a loan from a bank at a lower interest rate and use the funds to pay off credit card balances with high APRs. The loan is then repaid to the bank in the form of monthly payments. Debt consolidation by credit card ha...