Gone are the days when credit cards were considered merely as ‘nice to have’ things. In today’s fast paced world they have become an integral part of one’s life. So much so that an average people carries not just one, not two but multiple credit cards. But blame it on the nature of the credit cards or the inability of the people to differentiate between “need” and “want”, credit card debt easily gets accumulated. That’s probably the reason why there are many people with significant credit card debt. With mounting bills and interest charges getting accumulated, it may seem that they will never be free of credit card debt. But there are way outs, and credit card consolidation can be one of the solutions.