[richard200593]

try to make this as short as possible- paying off credit card debt with a personal loan at still a relatively high interest rate. Credit is poor strictly due to high balances on all of my cards, all “credit analyzer tools” are expecting 100 point jump in my credit once cards are paid off as there are no other marks on my credit. Is it smart IF this happens to refinance another personal loan to pay off the high interest loan?

Ps- credit card debt is from years of being young and foolish, I have my finances under control now, just trying to tackle the previous mistakes.