Combining all your credit card debt allows you to consolidate some higher-interest balances into a single one with a lower rate. With this, you can settle your obligation quicker without risking a larger payment amount.
Using the debt snowball approach, you can settle all your obligations regardless of interest rates. With this approach, you can bring down your credit use on individual cards faster and lower the number of accounts that have outstanding balances.
Most people don’t realize it, but it is possible to negotiate with various lenders, such as banks. If you have a hard time settling your credit card debt, you can contact your lender and request a lower financing cost.