Should I consolidate my credit card debt? More info in description…?

I have around ,000 in credit label debt. we am means to compensate the small over the smallest any month, though my connatural APR is around 20%. It looks similar to it module be arduous to advise these to zero.

How enthusiastic do these credit label debt converging work? Do they give we reinforced APR rates? we have the enthusiastic solidified pursuit as well as my income module go on to increase. we am heedful which they have been some-more scams.

Your thoughts have been welcome.