How can I consolidate 3 credit cards into one payment safely?

S

SlimGreenMooch

New Member
Want to combine my three credit card bills into a single monthly payment? I need a way that doesn't leave me worse off. A single payment could free up cash. Then I could pay more each month.
 
Changing to a single payment won't affect how much you can pay overall.

You can't get out of debt just by rearranging it. The real way out is by paying it off step by step.
 
Check out a balance transfer. Or maybe a personal loan. Your balances matter here. Could go with a debt snowball. Or try the avalanche method. Pick what fits your numbers.
 
I took out a personal loan. I had four credit cards. Their interest rates were sky high. All balances came from emergencies. There was no fun spending. The personal loan interest rate is 11.99%. That's nearly three times less than the credit card rates. My monthly payment is now roughly $300. It was over $600 before. Do this only if your interest rate is lower.
 
Good morning
How are you doing? ,I’m vivian Peterson from AZ and I’m a Business woman I’m helping people in need of help or a loan cuz my pastor preached to us on this week Sunday about helping the needy, and it really touched, so that’s why I’m here to help other for a little out of what I have, I’m texting you to see if you need some money to payoff bills or do some other things. Text me back on if you’re in need of help and I will be glad to help you out ...731-907-2510
 
StarStuffPwnd said:
I took out a personal loan. I had four credit cards. Their interest rates were sky high. All balances came from emergencies. There was no fun spending. The personal loan interest rate is 11.99%. That's nearly three times less than the credit card rates. My monthly payment is now roughly $300. It was over $600 before. Do this only if your interest rate is lower.
Click to expand...
Good morning
How are you doing? ,I’m vivian Peterson from AZ and I’m a Business woman I’m helping people in need of help or a loan cuz my pastor preached to us on this week Sunday about helping the needy, and it really touched, so that’s why I’m here to help other for a little out of what I have, I’m texting you to see if you need some money to payoff bills or do some other things. Text me back on if you’re in need of help and I will be glad to help you out ...731-907-2510
 
June said:
Check out a balance transfer. Or maybe a personal loan. Your balances matter here. Could go with a debt snowball. Or try the avalanche method. Pick what fits your numbers.
Click to expand...
Good morning
How are you doing? ,I’m vivian Peterson from AZ and I’m a Business woman I’m helping people in need of help or a loan cuz my pastor preached to us on this week Sunday about helping the needy, and it really touched, so that’s why I’m here to help other for a little out of what I have, I’m texting you to see if you need some money to payoff bills or do some other things. Text me back on if you’re in need of help and I will be glad to help you out ...731-907-2510
 
SlimGreenMooch said:
Want to combine my three credit card bills into a single monthly payment? I need a way that doesn't leave me worse off. A single payment could free up cash. Then I could pay more each month.
Click to expand...
Good morning
How are you doing? ,I’m vivian Peterson from AZ and I’m a Business woman I’m helping people in need of help or a loan cuz my pastor preached to us on this week Sunday about helping the needy, and it really touched, so that’s why I’m here to help other for a little out of what I have, I’m texting you to see if you need some money to payoff bills or do some other things. Text me back on if you’re in need of help and I will be glad to help you out ...731-907-2510
 
Ignore the spam offers. Legitimate options: 1) A balance transfer card with a 0% introductory APR, but watch for transfer fees. 2) A debt consolidation loan from a reputable bank/credit union. Both can lower interest and merge payments, but you must stop using the cards and ensure the new rate/terms actually save you money.
 
Two safe paths: a balance transfer card with 0% intro APR (mind the fee), or a fixed-rate consolidation loan. Both merge debts, often lowering interest. Crucial: secure a lower rate than your current cards, and stop using the freed cards to avoid doubling your debt. Calculate total costs before proceeding.
 
Focus on lowering rates, not just merging payments. A balance transfer card with 0% intro APR or a fixed-rate consolidation loan can work. Key: the new rate must be lower, and you must stop using the old cards. Calculate total costs including fees. This is a math problem and a behavior lock.
 
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