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Credit Card or Loan
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but the loan is to pay off the credit cards is it not? then that credit WILL become available again, and the OP will have the debt of the loan, and the opportunity to double their debt as the credit cards will be available to spend on again.
bad idea getting a loan i think. stick to paying off what you have now, don't try the quick fix, getting debt to get rid of debt doesn't make any sense!
Sorry it was my assumption that the OP would cancel the credit cards...0
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