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Question By
DaveClemmons1

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Bank Loan or Credit Card Balance Transfer?
I am trying to consolidate debt...about $20k...I have read that it is better to get a HELOC or Bank Personal loan than to do credit card consolidation...is that true...do personal bank loan not figure to debt to credit available ratio? What about if a credit card company (Discover, Citi, etc) offers a loan and not a cash advance.

NEED HELP QUICK!...Thanks in advance!
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