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tigsz

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Consolidating credit
I would like to know if I consolidate my credit with a personal loan and pay down my credit cards, will I get a lower interest rate on those same cards>

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How you pay your cards does not have any effect on the interest rate charged by the cards.  That interest rate is specified in the credit card agreement and subsequent financing updates they may send to you.  You can ask each credit card company to lower your APR and they might.  And they may refuse to.  The option is theirs.

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