I need to consolidate a few credit cards….who can i contact?

Terry Says:  If your credit is good you can roll your balance from a high-rate card to a lower rate card.  It’s called a “balance transfer” and you can go to www.Bankrate.com and look up the best deals on balance transfers.  Here’s a link to that page.

But if you have bad credit, issuers won’t offer you that kind of a deal.  In that case, the best route is to pay down the balances — paying down either the smallest balance (and closing the card) or the highest rate card, first.