$6,000 Dollars in Debt - consolidate via a personal loan?
I'm at about 6,000 in credit card debt and my interest rates are HORRIBLE! (all in the mid-high 20%'s on 4 accounts. 2 would not lower my APR after I tried via the phone (Dell and Best Buy). My question is: My equifax fico score is 635. Am I wasting my time if I try to apply for a bank loan or a new credit card with a lower interest rate to transfer the balance? Thanks!