4x is a bit much - esp if you have a thin credit file and with refi you are opening a new TL (reducing overall credit age) and getting a new INQ with each new offer. But, if the interest savings are significant then I would go for it...unless, you are looking to buy a house in the next 12 months.
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Time to clean house and get rid of CCs from bad CCCs. Opt'd Out and Paying off the Balance: BofA. Closed: Chase Freedom. Keeping: Amex Blue, Amex Costco Cash back, Citi Forward, USAA MC, USAA Amex, and PenFed Platinum Cash Back. Next up for review: Chase Sapphire...