Anyone have experience with taking out a personal loan to pay off credit card debt? Looking into taking a small loan to get all cards down to zero and would appreciate general feedback / experiences

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I have a Bank of America card and they have offered me multiple interest free cash advances with 10 months or so to payback. I actually used this to invest rather than pay down debt

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Yes. Tips: make sure it says "this won't affect your credit" when you submit applications. Shop around for best rate. Once you payoff, your credit will go up for paying off credit cards, so shop again for a better rate. Make sure you only have one application on your credit report when you apply the second time. I applied with payoff, lending club, lending tree, sofi, and a few others. I first went with lendingclub, then refinanced.

I would go with a credit union over lending club. Their rates are much better.

Consider opening a card with 0% interest on balance transfers for x amount of months. This also helps keep your debt to income ratio low (lower monthly obligation on the minimum payment of your card for which balances were transferred than your debt consolidation) in the event that you want to apply for a mortgage or some other large, financed purchase/investment.

If OP is maxed out on credit cards, s/he probably has a low score and it'll be hard to get a 0% rate or enough credit to transfer other cards over. But yes, I upped my available credit and used 0% offers from Chase Freedom.

Currently have 3 cards. Credit score is good (700-750). Right now have about $4k total to pay off, 2k on one with 0% for 12 months (2k is a balance transferred into the card) and 2k on one that has 0% until August. The third card is at a 0 balance. Appreciate all the feedback so far. It's not like this is extremely high amount of CC debt, but weighing best options to get back to level grounds.

Citi simplicity has a good deal right now. 0% on balance transfers and new purchases for 21 months. 3% transfer fee. Consolidate everything for 3% of the total and then have 21 months to payoff

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