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1. Initial APR: Seeing mentioned considerable, lower APR is the biggest free lunch from credit card debt consolidation. Since credit card debt consolidation is used by credit card suppliers because a tool to haul consumers, they regularly submission a 0 % APR for a initial phrase of 6 - 9 months of you joining their credit card debt consolidation program i. e. primeval few months nearest you carry the new credit card.

2. Standard APR: Lower standard APR ( i. e. the faraway phrase APR ) is the other relevant interest from credit card debt consolidation. Though not all credit card suppliers proposition a lower standard APR smuggle credit card debt consolidation some undertake design credit card debt consolidation programs duck sound standard APR. These credit card debt consolidation programs submission a trade - cream between initial and standard APR rates.