Consolidating bills into one monthly payment
You are left with one monthly payment for the loan.
Over the course of the term of the loan, you could end up paying more than you would have by paying all of your bills separately each month.
If possible, do a balance transfer from the cards with the highest interest rates to the card with the lowest rate.
This is the best way to consolidate credit card bills.
You might be able to negotiate a lower amount by paying cash or paying a certain amount all at once.
Avoiding the topic could result in your debts being sent to a collection service, and you could incur fees and a hit to your credit.