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Nerd note: Remember that any time you obtain new credit your credit score will lose a few points temporarily.This means that consolidating your credit card debt with either a personal loan or a 0% APR card will cause a short-term dip.But keep in mind that only the balances on revolving lines of credit are factored into your credit utilization ratio; by moving your credit card debt onto an installment loan (the personal loan), you’re shifting it in such a way that it will have a minimal impact on your credit. If you choose to consolidate with a 0% APR card via a balance transfer, the picture is a little more complicated.

As of July 2014, the average credit card interest rate is hovering around 15%.In a perfect world, you shouldn’t be using more than 30% of your available credit on point in time.All this is to say that consolidating with a 0% APR card might help your credit score somewhat, but you’ll probably see bigger gains by opting for a personal loan.Reduce print and mail costs by consolidating multiple statements and make it easy for patients to receive e Statements.Collect, post and reconcile patient payments efficiently with funds deposited into your bank accounts and payments posted into your existing source A/R systems.We even share how we make money so you can rely on our expert advice and recommendations with clarity and confidence.Dealing with debt on multiple credit cards is stressful, which is why many people consider consolidating their several debts into one.This savings can be reinvested in your debt payoff to eliminate your balance faster.Another advantage to consolidation is that you’re moving from multiple monthly debt payments down to just one.Rolling multiple credit card debts into a single consolidation loan has a lot of important benefits.Before discussing how it could help your credit score, let’s review the non-credit perks of consolidating credit card debt.

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