Consolodating credit cards

This type of credit card charges no interest for a promotional period, often 12 to 18 months, and allows you to transfer all your other credit card balances over to it.

You’ll need a good to excellent credit score — above 690 — to qualify for most cards.

For example, if you suffer from bad credit or no credit, look at the Bad Credit Credit Cards.

Student loans usually appear on a credit report as multiple loans, but that doesn’t look bad to lenders.

Credit cards protect you, the consumer - many credit cards offer purchase protection and travel protection that just isn't available with other forms of payment.

And credit cards help to build up a reliable credit history, making it easier for you to purchase a car or a home.

If you consolidate student loans, you have other options.

Wise Bread is an independent, award-winning, advertising-supported website.The reason has to do with the way student loans actually work as opposed to how we think about them.Even when you are applying through the same lender, you are basically taking out a new loan each semester or year.Ideally, that new debt has a lower interest rate than your existing debt, making payments more manageable or the payoff period shorter.Options to consolidate your credit card and other debts include a balance transfer credit card, an unsecured personal loan, a home equity loan or line of credit and a 401(k) loan.

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When shopping for a credit card, there are dozens of cards to choose from.

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