i had similar situations here too. with several credit card debt on my shoulder, it make me thinking to find one solution for all. few bank had contact me to give a solutions to take settlement loans. how i able to know its worthy or not?

current:
UOB cc: 15k ~ 1k/mth
CIMBcc: 5K 400/mth
Aeon: 10k 600/mth

with current expenses, there is a month that i had to use my cc.

i watch ramsey baby step, but i not able to understand correctly how its works. any thought?