Authorisation is based only on the credit-history decided by the average monthly income, bill repayment patterns and yourprofession,  etc. As it's unsecured, it has the highest interest rates attached to it. If your credit evaluation is bad, you will not have an easy time getting any finance at all. Anyway, consolidate all your debts into one plastic card.

E-consolidation providers offer a very low interest-rate to make it easy to clear off the finance in future. The monthly repayment amount depends on your term. For a low monthly payment, you've got to go for a term with longer time-period. If you want to pay it off quickly, then choose a short-term consolidation, which entails a substantial monthly payment. Look for for lower interest rates. 

Transferring a balance is one solution. Getting a loan to pay off  existing debts is another. Get a low interest loan from a bank or any financial institution to pay off your debts with credit-card companies who charge high interest rates. 

Not all specialist debt consolidation loan businesses are legitimate. They could earn a goodly amount of money from you but either not help you at all or make your credit situation worse.  Look for a firm that has a good track record, that is recommended by someone you trust. 

Interest-rates on credit cards do not let the credit decrease even if you mange to pay the minimum each month. If you've more than one card, managing a minimum payment on each one becomes a burden in itself. Most debt consolidation businesses negotiate on your behalf with debtors to reduce your interest and charges. It does not matter what your credit-scores are or if you've a lousy repayment history. 

Credit card businesses are nasty in that they apply late-fees and over-limit fees, in addition they also hike the interest-rate that is normally charged on the credit-card as a penalty. Nice work if you can get it! Not only does this increase the monthly payable amounts but also affects your credit rating.