Credit card consolidation is a way to combine some or all of your debt into one payment. According to the Consumer Finance Protection Bureau (CFPB):
"Consolidation means that your various debts, whether they are credit card bills or loan payments, are rolled into one monthly payment. If you have multiple credit card accounts or loans, consolidation may be a way to simplify or lower payments.
Options for credit card consolidation include 0% intro APR balance transfer credit cards, personal loans, HELOCs, and debt relief. Credit card consolidation allows you to pay off multiple debts into one affordable payment at lower rates and fees.