If you have multiple credit card balances that you need to pay off, debt consolidation can help you get out of debt faster.

Learn more about how to transfer credit card balances »Once you find a balance transfer card that fits your needs, apply for the card.

You will need to authorize the credit card company to run a credit check.

You need good credit, plenty of free cash flow in your budget and the right amount of debt for it to be effective.

You also need the discipline to cut back on your budget, stop charging, and focus on debt repayment.

offers a helpful credit card debt worksheet to make it easy to collect all this information in one place.

Download Debt.com’s free credit card debt worksheet »The first option you always want to consider when you consolidate on your own is a balance transfer credit card.

This allows you to pay off your debt interest-free.

However, qualifying for longer teaser rates requires excellent credit.

This is a specialized type of credit card that’s designed to make it easier to pay off existing debt.