Over the past year, I have met so many people who want to consolidate their credit cards so they can finally get out debt. The goal to consolidate credit cards has been a major priority for people over the past five years. A lot of this goal setting began back in 2007 when the economy began declining. Ever since that time, some people have had to use their credit cards to purchase items like food and to also pay some of their monthly bills. After using their credit cards for these purposes year after year since 2007, many people now have credit card amounts that total almost thirty thousand dollars. Since most were using multiple cards, they have also been paying multiple interest rate payments. As a result of this, the best option for consolidating credit card debt under these situations is to either file bankruptcy or apply for debt consolidation financing.