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).
Risk. You are turning unsecured debt (credit cards) into secured debt (your house). If you can’t pay, your home is on the line. Is It Right for You? Consolidation is a tool , not a cure . It works best if: consolidate credit cards
Consolidating can save you thousands in interest and shave years off your debt timeline. Just remember: the goal isn’t just to move the debt—it’s to kill it. Many banks offer "teaser" rates for new customers
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