Credit card consolidation is when you merge a number of debts into one, usually by taking out a personal or consolidation loan, or by using balance transfers to move the debt onto a low interest credit card.
If you take out a debt consolidation loan, you pay off your creditors with the money you’ve borrowed, then make monthly payments to pay off the loan.
Be careful to check the interest rate and the terms and conditions. Make sure that you won’t be adding to your debt or taking longer to pay it off.