Credit cards can be a gain if used prudently or a pain if misused. The choice is yours, how you intend using it or misusing it. Misusing it could be due to various reasons such as lack of information on how the interest charges work and the statements are made. Out of ignorance people use multiple credit cards and before you know it, you are in a mess. Or due to genuine reasons like low salaries, loss of job or insolvency can lead to credit card crisis. In such scenarios, it is advisable to use the services of experts, who will consolidate credit card bills. In other words, this is called credit card debt consolidation.