Need help consolidating my credit cards

As a Credit Union born from the Macarthur and Wollondilly regions, our aim is to offer our members friendly, helpful & supportive solutions to help them achieve their dreams.

This is because, in doing so, you’re quickly reducing your credit utilization ratio.

Your credit utilization ratio is the amount you owe on your credit cards relative to the total amount of credit you have available.

It heavily influences a whopping 30% of your credit score, and if you have several maxed-out cards, yours is probably sky-high.

Rolling multiple credit card debts into a single consolidation loan has a lot of important benefits.

Before discussing how it could help your credit score, let’s review the non-credit perks of consolidating credit card debt.

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This service fee is in addition to your card payment amount and should be paid along with the bill payment at the Exchange House.

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