Very large amounts of debt with lower interest rates.
Many banks offer "teaser" rates for new customers. You move your high-interest balances to a new card that charges for a set period (usually 12–21 months). consolidate credit cards
If you’re staring at three different credit card apps every month—each with its own due date, interest rate, and mounting balance—you aren’t alone. Managing multiple cards is like trying to herd cats: it’s chaotic, and someone usually gets scratched. Very large amounts of debt with lower interest rates