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Even if you have only one credit card, consolidating it at a lower interest rate allows more of your money to go to that principle balance than interest and gets you out of debt sooner.It almost seems like there’s no reason to do it, right?After that you’re offered a rate from 10.99% to 20.99% based on your credit rating.

It is important that you make every effort to have this transfer fee waived.

What are my options for consolidating them so I can pay less interest and save money in the meantime?

" ANSWER: If you can’t pay off your credit card debt, the next best option is to “optimize” it—or shift it to a lower-interest account.

However, if they won't budge on the fee- sometimes paying a fee is still worth it if you can reduce your interest rate by more than the fee charged.

You'll need to get out your calculator and figure out if you'll still save some money.

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