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Should I Consolidate My Student Credit Cards?

If you got one too many credit cards as soon as you hit campus, you may be considering consolidating your student credit cards. There are lots of great reasons for consolidation, and there are some good benefits that come out of the process, but the key to deciding whether or not it is right for you is a bit of information.


What is Credit Card Consolidation?

The process of consolidating your credit cards is moving the balance of several cards onto just one. You can do this through balance transfers or other loans.


Why Should I Consolidate My Student Credit Cards?

One reason you may want to consolidate your student credit cards is because you’ve gotten a better interest rate on a new credit card. This means that you can repay the balance of all of your cards at one great low rate and not have to worry about wasting thousands on other credit card companies. Another reason you might want to consolidate your student credit cards is that it can seriously simplify your life. If you’re like most students, you probably have as many as seven credit card bills to deal with each month. That means that you have to log on and pay all seven bills at different times of the month just to ensure that you don’t get dinged with a late payment fee. Consolidation means only one bill payment to concern yourself with each and every month. One final reason you might want to consider consolidating your stunt credit cards is for lower monthly payments. If you get a better deal from another card company, consolidation can mean a way out of debt much quicker than you had expected.


How Do I Consolidate My Student Credit Cards?

There are a few ways to go about student credit card consolidation, but the most common is to research your new credit card options. The best thing is to find a new credit card with great balance transfer rates, as you’ll want to pile your current balances onto your new cards. Finding a low or zero APR balance transfer rate means repaying your current level of debt at a much lower rate, thus saving you a bit of pizza money here and there. Make sure, though, that you get a credit limit that can hold all of your credit card balances. There are hundreds of credit card research sites that can help you find the best consolidation card to meet your needs.


Once you’ve found the right card, you’re ready to begin transferring your balances. You can do this through your new card company. Most of them have an online option to transfer balances, but if you prefer, most of their eight hundred numbers can help you do the same thing.


Student credit card consolidation can be a great idea. Make sure it’s the right choice for you, do your research, then move those balances. At the end of the process, you’re sure to appreciate having one bill instead of seven.


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