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WebConsolidatedcredit.org - Pros and Cons I am considering using Consolidated Credit to negotiate reduced interest rates and payment terms with all of credit card companies. Their rep claimed the negotiated rates would be between 5% and 9%. All of my credit cards have APR in excess of 9%. The rep stated they will charge between $25 and $50 a month. WebCommercial Credit Consolidated Credit Union Ltd. 2001 - Present22 years Summerside, PE Education Credit Union Institute of Canada and Dalhousie University Master's DegreeAssociate of the... WebApr 10, 2024 · Whether you consolidate with a balance transfer credit card or personal loan, you can expect to pay a small fee. For a balance transfer, you’ll typically be charged a 3% to 5% fee. Personal loan lenders may charge an origination fee — a percentage of your total loan amount that generally ranges from 1% to 8%. What’s next? buffet restaurants near waterloo