OVLG helps you consolidate credit card debt at reasonable fees. Find out the pros and cons. Check out the best ways to consolidate credit cards.
BBB-A-Rating
Hope For Financially Challenged Since 2007

84% Clients satisfied

In the last 7 years

Watch 401 live reviews

Know why people trust us

Satisfaction Guarantee

No Result Refund Policy

We follow FTC

Since we care for you

Credit card consolidation - Dump high interests and pay one bill

Credit card debt consolidation is a savior for all those who are drowning in credit card debts. It accumulates the outstanding balance in one place and allows you to make only one payment every month.

Credit card consolidation pros

  • Can pay off credit cards quickly
  • Enjoy a super low-interest rate
  • Make affordable monthly payments
  • Take care of only one bill each month
  • No late fees and over limit charges
  • Fewer collection calls

Credit card consolidation cons

  • May get into debt again as you relax more
  • Some companies charge high fees
  • You may lose assets (secured consolidation loan)
How much can you save?
Monthly payment you can afford
$
.00

How to consolidate credit cards with OVLG

Once you know what credit consolidation is and how it helps you become the master of finances, you can reach us instantly. We will help you consolidate multiple credit card bills as quickly as possible.

OVLG Credit Card Debt Help Cycle
Wed Jun, 2016 Review: LJ saved $4746.4
Client satisfaction level:
      
* Client names have been changed to protect privacy

When you should or shouldn't go for credit card consolidation

It's not too late yet. You still have a chance to save your wallet and credit score. All you need to do is consolidate credit card debt right now. But before you begin the process, let's find out a little bit about the scenarios when it will work best.

Should
  • Want to get a reduced interest rate
  • Wish to get a fixed interest rate
  • Wish to kick out credit card debt fast
  • Want to pay one bill every month
Shouldn't
  • Can't even pay one bill on time
  • Have secured debts
  • Have enough money to manage credit cards
  • Don't know how much your savings will be

3 Best ways to consolidate credit card debt legally

1 Credit card consolidation programs
2 Balance Transfer
3 Credit card consolidation loan

Scenario 1:
You want to switch from multiple payments to one

Best way to consolidate credit cards:
Credit card consolidation programs

How it works:
The best option for consolidating credit cards since you make only 1 monthly payment to credit card consolidation companies.

Effect on credit:
It has a positive impact on your credit score.

Tip: Check out the credit consolidation reviews and find out if the company is trustworthy.

Consolidation program

Scenario 2:
You can manage money very well, and your credit score is good.

Best way to consolidate credit cards:
Balance transfer

How it works:
Here you consolidate credit cards into one card with 0% APR available for a very short period.

Effect on credit:
Your credit score may drop initially.

Tip: Pay off the entire balance within 6-12 months to avoid paying a high-interest rate.

Balance transfer method

Scenario 3:
You want to get rid of credit card debt now and have assets

Best way to consolidate credit cards:
Credit card consolidation loan

How it works:
Here you consolidate credit card bills into a personal loan that has to be paid off after a certain period.

Effect on credit:
It makes a positive impact on your credit score.

Tip: Check out the loan term and rate to avoid paying more than what you expected.

Consolidation loan

Credit card consolidation companies - Checklist to pick the best

  • Check the breakdown of fee structure
  • Check the affiliations
  • Check how long and how much to pay
  • Check their credit consolidation reviews
  • Check their industry experience

Alternative options to reduce credit card debt

1 Credit card debt settlement:
Wondering how to get rid of credit card debts fast? Shake hands with debt negotiators to reduce your outstanding balance.
2 Credit card debt management:
It helps you eliminate credit card debt legally with smart budget plans and reduced interest rates.
3 Bankruptcy:
Thinking how to get rid of credit card debt legally? File Chapter 7 bankruptcy to discharge debts within 3-4 months.

Having problems with credit cards?
Want to eliminate credit card debt legally?
Call us at (800)-530-OVLG to get professional help
0
Votes
1
Answers
Anonymous (not verified)
Asked on Monday, December 5, 2016 - 03:11
0
Votes
1
Answers
Anonymous (not verified)
Asked on Wednesday, September 14, 2016 - 01:09
Category:
0
Votes
1
Answers
Anonymous (not verified)
Asked on Thursday, June 9, 2016 - 04:50
0
Votes
1
Answers
Anonymous (not verified)
Asked on Friday, April 15, 2016 - 03:15
Category:
0
Votes
1
Answers
Anonymous (not verified)
Asked on Wednesday, April 13, 2016 - 13:28
0
Votes
1
Answers
Anonymous (not verified)
Asked on Thursday, March 31, 2016 - 20:28
Category:
0
Votes
1
Answers
Anonymous (not verified)
Asked on Thursday, February 25, 2016 - 10:04
0
Votes
1
Answers
Anonymous (not verified)
Asked on Wednesday, February 10, 2016 - 07:35
0
Votes
1
Answers
Anonymous (not verified)
Asked on Tuesday, February 9, 2016 - 10:23
0
Votes
1
Answers
Anonymous (not verified)
Asked on Monday, January 25, 2016 - 20:31

Latest Articles

FDCPA attorneys:Fight back against abusive debt collection practices

Has a creditor or collection agency told you something that is abusive or anyway, a violation of your civil and federal rights? The FDCPA can appear to help you fight back against all unfair collection practices. What is the FDCPA? Whom does the FDCPA cover? What are the 7 most common ... Read More »

Latest answers

How long should I wait for a reply from Capital One ...

I have sent a settlement letter to Capital One two weeks back. Didn't get any reply yet. How long should I wait ... Read More »

Latest from blog

4th of July 2016: How to celebrate freedom

The 4th of July is observed as a federal holiday in the United States. After all, it’s NATION’S BIRTHDAY! Independence Day celebration is a grand and colorful affair in the country with fireworks, foods, parades, and more. Wondering how to enjoy this wonderful day? Check this out. ... Read More »