Best Debt Consolidation Credit Card Offers

Need a debt consolidation credit card?

Here are a few benefits to consider:

  • You can use a debt consolidation credit card to pay off high-interest cards.
  • Debt consolidation credit cards can save you money by reducing the interest that you pay each month.
  • At times a debt consolidation credit card can even lower your monthly payment.
  • Credit scores can increase by paying off multiple credit card balances at a given time.
  • And the best part about a debt consolidation credit card is that it simplifies the bill paying process, by consolidating all of your debt into one “single debt”.

The downside of using a debt consolidation credit card to pay off debt:

  • There are other debt relief options that can save you more money, which we will discuss below.
  • You must have a high credit score (Above 715 FICO) to qualify for a low-interest balance transfer credit card. Most consumers who are struggling with debt, won’t qualify.
  • Debt consolidation credit cards usually come with a low-interest rate BUT only for the introductory time-period, then the rate goes up (after 12-18 months)

The easiest way to find out what your debt relief options are — is to contact an IAPDA Certified Debt Relief Professional. 

IAPDA Certified Debt Counselors Can Give You All Options at (866) 376-9846

best way to consolidate credit card debt


What type of interest rate and payment do you want on the new debt consolidation credit card?


Simply plug-in your desired monthly payment and interest-rate — and instantly learn all of your debt relief options at that payment.


Debt Calculator

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Enter your total debt
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Debt amount must be greater than $7,500!
Interest percentage*
Enter value of 0 to 99.99%
Type a monthly payment you can afford to become debt free
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is your minimum monthly payment for total debt!
* Put the average interest rate that you are paying or that you were paying on your accounts. This will be used to calculate how much you would end up paying when staying current on your accounts. The interest rate that you put in here, will not effect the figures that are calculated for the consumer credit counseling and debt settlement programs.
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#Debt ValidationDebt SettlementConsumer Credit CounselingOn your Own
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Interest rate0%0%8%
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Have a Question? Talk to an IAPDA Certified Counselor for Free (866) 376-9846


Is consolidating your credit cards onto another credit card your best option?


No, it’s definitely not! There are better debt relief options that can save you more money. If you try the debt calculator above, you will see that debt settlement and debt validation programs can save you the most money.


Consumer credit counseling can also consolidate your payments and lower your interest rates. To learn about all of your credit card relief options visit this page next. 

How Debt Consolidation Credit Cards Can Affect Credit


Using a debt consolidation credit card to pay off other credit cards and debt — can improve your credit score.


Despite the fact that you are incurring a new debt on the one card, simultaneously you are paying off multiple debts. The number of positives in the equation outweighs the one negative.

Can you consolidate credit card debt with bad credit?


  • You need at least a 680-FICO score to get approved for a low-interest credit card.


  • Your balances can’t be maxed out on all your other credit cards.


  • You can’t have late payments within the last six months on your credit report.


If you already have another low-interest credit card to use — in that case, you can transfer your high-interest credit cards onto the low-interest card — and it’s a win, win! And “yes” – you can do this with bad credit since you already have the card.


Debt Consolidation credit cards


How Can Golden Financial Services Help You Consolidate Credit Card Debt?

Golden Financial Services provides free consultations to the public. You can speak with an IAPDA and AFSLR Certified Debt Counselor for FREE.


If you need consumer credit counseling, Golden Financial Services can even refer you over to a non-profit consumer credit counseling company where you can talk to a Certified Credit Counselor.


Golden Financial Services will explain debt settlement, debt consolidation, debt validation and consumer credit counseling to you during your consultation. The company is A+ rated by the Better Business Bureau.


Call today for your free consultation and learn the best way to consolidate your credit cards at 866-376-9846.