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    Advice consolidating credit card debt

    If you’re selective with applications, you can get what you want and minimize potential damage to your credit score.\n But if you have good credit, a lengthy credit history and a number of accounts, a hard inquiry should shave only a few points off your score, says Ethan Dornhelm, vice president for score and analytics at Fair Isaac Corp., developer of the FICO score.\n You could run into the same problem with a different card issuer if you have a lot of credit available already.“Take stock of what you have, because that is going to affect what they give you,” Sherry says.\n If you’re trading a travel rewards card (or a card that gives any non-cash reward) for another card that better suits your life, Breyault says to ask these questions: If you close out the travel rewards card, what happens to the miles you’ve accrued? Will they be accessible for a certain amount of time, and does the expiration date suit you?You could run into the same problem with a different card issuer if you have a lot of credit available already.“Take stock of what you have, because that is going to affect what they give you,” Sherry says.

    Credit Karma's favorite balance transfer cards Pros: If you transfer and repay the debt during the promotional period, you could avoid paying interest entirely.If not, “your request for a new card so you can transfer that balance isn’t going to work,” says Linda Sherry, director of national priorities for Consumer Action.After you’ve done your research and decided which card you want, hold off on applying if you plan to make a big purchase, like a home or car, within 12 months.If you want the cards you carry to fit your life, there are five things you need to know before you make a change.If you want a cash-back card for everyday purchases like groceries and gas, do the places you frequent accept the card?If the card is for travel, is it commonly accepted in the places you visit or by the airlines you fly?If it’s for a balance transfer, you have to be sure the credit limit on your new card is high enough for the amount you want to transfer.Whether you're looking to elevate your travel experience or earn a few extra bucks on your next grocery trip, credit cards are a powerful tool in reaching your financial goals.Browse the categories below and find the right credit card that fits your spending habits.Your credit may be a factor when the lender determines your eligibility and the interest rate on your loan.Pros: The interest rate could be lower than your credit cards’ rates, and you may have several years to pay off the debt.Cons: Some cards charge a balance transfer fee, such as 3 percent or , on the amounts you transfer.Also, the combined transferred amounts and fees usually cannot be higher than your credit limit, which might not accommodate all your debts.\n If it’s for a balance transfer, you have to be sure the credit limit on your new card is high enough for the amount you want to transfer.

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