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PAG110

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Is it better to get a personal loan with lower int. to pay a higher int. credit card

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Probably better to pay down the card

You would get a boost from having a new account on your credit history, but... if you can afford it, why not pay down the balance as much as you can first? You'll get a better boost from lowering your credit utilization below 10%, than you would from getting yet another account (especially if you already have more than 12 accounts listed on your credit report). 
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As a bonus, with a smaller balance, you have more money at the end of the month (both because the interest rates aren't eating you alive, and because the minimum payments will be smaller).

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DEPENDS

I do not know your circumstanse, but if you can not refrain from adding to the cards again, the personal loan will only make you dig a deeper hard hole to climb out of.  It is VERY smart to do it to save interrest, but ONLY IF YOU STOP USING THE CARDS, or only use them and PAY OFF EACH MONTH.

I capitolize this because I have seen too many people take 2nd mortgage or personal loan to pay off credit cards and in a year they have the same balances right back on the cards.

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