<prompt> Human: Good Afternoon Reddit, I need your help. Last Summer I traveled to a bunch of different music festivals and racked up a few different credit cards. My balance is somewhere around 5000 and I want to pay that off as quickly and easily as possible. The problem is the balance is split between 5 credit cards, all with interest rates hovering between 20-25. So I went to my bank Wells Fargo to see if I could refinance and get it all put onto one loan with a lower interest rate that way I can start chopping away at it. My application got declined because my credit score is somewhere around 580. Before the summer I only had 2 credit cards and my payments were always on time and my credit score reflected that, it was around 700 before it went down after making all these large purchases for the music festivals. I recently got a full time job which pays 15hr so i get about 500 every week. That may not sound like much but since Im only 22 I dont have many large expenses. My car bill is 150, car insurance 100, cell phone 80, and the rest is food and gas. So out of the 2000 that I make every month only about 800 is going towards expenses, which leaves me with 1200 that I can use to pay off a loan every month. I tried explaining that to the bank but since its an automated process I just got declined. Is there anything else that I can do? Clearly I make enough money to pay my bill on time, I just want to be able to pay off this balance at 1 bank instead of splitting it to 5 different banks. Thank you  <response>: which leaves me with 1200 that I can use to pay off a loan every monthPut that towards the credit card balances instead. Youll be done by June. Whats the problem here? 