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No matter how good your credit is, never go into debt that you don't have to absorb. From the sounds of things you are dealing with your wants rather than your needs. It's your money and your life, you are the one who has to live it. I understand you wanting the finer things in life, I mean who doesn't? But I would wait till you are in a better place financially. The best advice given by many is to refi your current to a lower interest rate.
Just my 2 cents. Good luck no matter what way you decide.
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