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Consolidating your credit cards is still probably a good option, even with the looming credit crisis. In fact, it would behoove all of us to shore up our finances and prepare for the changes that are prevalent in this shrinking economy. Even if Congress successfully passes a bailout, they could simply be delaying the inevitable. If we move into an official recession, having a budget, holding onto the job you hate, etc., will all become important practices for every American citizen. Pay off as much credit card debt as possible is necessary to increase your monthly intake and decrease you monthly outflow.