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It’s imperative that you consolidate your credit debt if you have numerous cards. Having been through that nightmare before, I know that the interest rates make it very difficult to pay down the balance of one card let alone a number of them. So how do you go about credit consolidation? For me, it was through a credit union. I’d heard of these place before but figured they were for people with lower paying jobs or peopel who belonged to labor unions. I was wrong. Credit unions can be a great place to not only help with you credit consolidation strategy but also for your everyday banking needs. They provide the personal touch that banks used to. Well, the personal touch that I’ve been told banks used to provide because in my 35 years I’ve never seen it. Anyway, do a quick search and find out what credit unions are near you. You may be delightfully surprised at the services they provide.