I want to figure out a way that I can pay off my credit cards or pay less for them. I don’t think I owe enough to reconsolidate the amounts I owe, but if I could get a credit card and transfer the balance to the card then pay off the one card instead of three that would be great. Of course the minimum payment for that card would have to be pretty low, otherwise there wouldn’t be any point in doing that. At least I know that if I need to get a quick loan until I get paid again I can use payday loans. They have to be paid back by your next paycheck, but they are a great way to get a quick loan when you know you can pay it back quick.