Consider paying off a personal loan instead of credit card debt, especially if that loan may has a higher interest rate than your credit card balances. For several years after the financial meltdown, credit card companies kept interest rates high. Recently, they have changed course and many have been offering zero-percent interest rates for balance transfers and new purchases with terms that last up to 18 months. If you take advantage of those offers, then it makes sense to first pay off a personal loan, if there is no prepayment penalty.
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