I currently have a very high credit score (~800) and have never made a late payment. Right now, my credit card is at about $4500, and I am having trouble staying ahead of the interest. I am thinking about consolidating my credit card debt, but don't know much about it. If I did, I would continue to make every payment on time, etc, but I just wondered if the act of consolidation in itself would adversely affect my credit rating. Does anyone know?

Just make sure your balance stays below 30% of your CL