One can reduce debt by consolidating credit cards because they'll only be paying one interest rate instead of four or five. They will also make a lower monthly payment.
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There are many websites that have information on consolidating debt from credit cards. Among them are Care One Credit, Nolo, Family Credit, Money Management, and Wikipedia.
Consolidating debt can have a temporary negative impact on credit scores because it may result in a new credit inquiry and a change in credit utilization. However, in the long run, if the debt is managed well, consolidation can improve credit scores by making it easier to make timely payments and reduce overall debt.
Information regarding debt management consolidation can be found through credit counseling. An advisor will be able to handle any questions someone may have about consolidating their debt.
If in debt, you can consolidate it by several ways. One of the few things you can do is to apply for a debt consolidation loan from your personal banker. You should stop using multiple credit cards and focus on your debt and watch what you spend.
You can enter a certain program called debt consolidation care. You will be able to pay multiple bills like credit cards and loans all as one bill. Good luck!