If all your debt arises from unpaid credit card balance amounts, you may be able to pay them off with or without credit card debt consolidation. You can simply pay off your credit cards one at a time while making minimum payments to all the others, thereby avoiding the need for credit card consolidation. Typically, you’d pay off the cards in descending order, starting with highest interest debt. Do not use any new credit until you’ve completed the process. Alternatively, you can use a credit card balance transfer strategy to achieve credit card debt consolidation: First, fix your credit reports to get your credit score as high as possible and increase your chances of getting your credit card application approved. Check reviews of the best 0% balance transfer credit cards and decide which one you want. Apply to the card with the longest introductory promotion period. Work downward from there until you are approved for a credit line large enough to consolidate all your credit card debt. Fill out the forms required by your new credit card to transfer balances from your existing accounts. Make sure you have enough money put aside to pay the transfer fees (typically 3% to 5% per transfer). Receive confirmation that each account balance has been eliminated. If not, make the remaining credit card payment directly. You will now receive one credit card bill per month. Your goal is to pay off the balance before the 0% introductory APR period expires. You can set up automatic payments to ensure you never miss one.