Apply online for a credit card instead of having to stand in ques at the bank or having to fill out long winded application forms before you know whether or not you are approved. Many people use a card to consolidate debts providing they can get a high enough cash limit which enables them to do that. This is not the ideal method of consolidating debt on a permanent basis and should perhaps only be used as a temporary measure if you are expecting to get some extra money in soon.
When you apply online for a credit card you are usually given the choice of having a Visa or MasterCard and providing you do not have a bad credit record you should have no problem to get approved quickly. There are other cards that can be compared side by side for those looking for the lowest interest rate possible and if you do your research really well, there are places that offer 0% interest credit cards, although these are very rare and hard to source.
This is the beauty of the Internet these days, those who need to borrow money through loans or other means can simply get online and apply quickly and easily. No need to even speak to a consultant these days, everything can be done from the comfort of your home or office. Forms are usually simple and upon submission people are normally informed of whether they do qualify for a card or not and what kind of limit is available to them and at what interest payback rate. Have a bit of patience, do your research and you will find that it is the most convenient way to apply for an online credit card.