I am looking to reconsolidate my credit cards. I don’t know if we could reconsolidate the loan and the cards all together, so right now I am my main focus is getting the two cards of $4000 total down on one card with a lower than 20% interest rate. I have been checking out a credit card rating now more than ever, so I can see how well they pan out. I need one that I can get a really low interest rate with, otherwise what is the point of putting the two cards onto a new one? I just want to end up paying less what I am paying now, or pay the same amount now at a lower interest rate so that I can pay them off quicker.