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I have been a big fan of Credit Card Consolidation that are still available to consumers. We have used them to purchase large ticket items like furnishings and appliances for our new home. This has worked out well as we wait to close on our house and then once we receive the equity we will pay off those debts. We then payoff the balance once we receive our tax refund. If not managed properly it can lead to some bad financial decisions, but we only put things on our 0 balance transfer interest credit card that we know we will have cash for in a few months. Use these offers wisely and than can actually help you financially but never outspend your income or you will find yourself in some trouble.