[creditcardfree]

I wouldn't consolidate them necessarily, but I would be on the lookout for better interest rates...or call the cc company to ask for a lower rate. Tell the cc company that you have a lower offer in the mail and see if they'll match that. Don't you get cc offers all the time? If they won't match...move the money to a lower rate card.

While you are looking for lower rates and have stopped using the cards, you need to start paying them off. Start with the smallest balance first. Add any extra money you have to that one, while paying minimums on the others. You will feel so great about getting that first one out of the way...you'll be motivated to get the others knocked as well.

Any questions let us know. You can do this.