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You'll also want to read the fine print to know exactly how long the promotional period lasts, and have a strategy to pay it all or most of your debt during this time.
When all of your loans are paid off, it's time to pay down the new loan.
Consolidating credit card debt means taking out one new loan to replace multiple loans, and consolidate them into a single monthly payment that's preferably at a lower interest rate than the original loans.
Two of the most popular options to consolidate credit card debt are transferring the debt to a balance transfer credit card or taking out a personal loan.
Once you've decided on a credit card consolidation option, it's time to apply.
If you're going with the balance transfer card route, apply directly with the credit card company.