well that isn't what i would do. i would take what they give to pay off as much as possible. add up all your current credit card payments and then add up the loan payment plus whatever credit card payments you may have remaining and see which is cheaper for you 
If the interest rate on the loan is lower than the interest rates on the CCs then you should do it. There is one huge caveat if you proceed though - you need to make sure not to just run up the credit cards. If you use the loan to pay off your cards then just start charging again, you'll be digging yourself into an even bigger hole.
