pay off cards

of debt....t&c. i would contact them;)

Joan,

I understand your stress. As minimum payments are rising, it is really tough to stay current with all of your credit cards. IMO, consolidate your credit cards before it's late because once a negative remark enters your credit file; it stays there for 7 years. It's better to be cautious in advance.

By consolidating your credit cards, you can lower your monthly payments. Consolidation program helps to reduce rate of interest and eliminate financial charges. So you can pay your debts in full earlier.

This site offers free counseling. You can avail the service and discuss your situation with the consultant. Your consultant will analyze your debt and income ratio and work out a suitable payment plan for you.