Pay off credit card debt without consolidating
Mark your calendar, or set up bill reminders so that you send in not only the minimum payment each month by its due date, but also additional to pay that card off early.
This could mean that you need to find ways to earn extra cash, or to lower your current monthly bills.
These types of offers are extremely popular because department store credit cards are notoriously easier to get than any other type—allowing you to start building up your credit score—and also because you get an immediate discount on the purchase you are about to make should you get approved (instant gratification is always popular).
Increasing hours at work, taking on a part–time or second job, renting out a room or garage or asking an older child to find part–time income may be possible.