Credit Card Debt: How To Manage, Consolidate and Pay Off Balances

When high interest rates make it harder to make meaningful progress, a personal loan may provide an opportunity to consolidate debt and create a payoff plan.

Before you apply for a new balance transfer credit card, it’s important to understand which debts you can move and where restrictions may apply.

With the right strategy, you can start making steady progress and work toward getting your credit card debt under control. Here's what you need to know.

Can I negotiate credit card debt on my own? Yes. Learn what to say, what to ask for and how to lower your APR, waive fees or settle — without a middleman.