Bill consolidation combines multiple debts into one payment to simplify bills and often lower interest. It's a useful tool but not a cure - pair it with budgeting and behavior change.
Bad credit can complicate RV financing, but with the right steps - larger down payment, cosigner, careful lender shopping, and credit improvement - you can still qualify. Compare prequalified offers, understand secured-loan risks, and choose a realistic payment plan.
Unsecured loans are credit without collateral. They offer access but usually at higher cost and with distinct risks for lenders and borrowers. Modern underwriting and regulation have increased transparency, though informal markets persist.
Consolidating multiple debts into a single loan or balance-transfer card can simplify payments and sometimes lower costs. Citibank, as a major bank, often provides consolidation routes - but compare offers, watch fees, and verify current product availability.