was thinkinh about a taking a loan for credit card refinaning

[Anonymous]

I think I'd go talk to some local CUs or look at other choices before springing for 21.99%.

[wilson382]

---

@Anonymous wrote:

I think I'd go talk to some local CUs or look at other choices before springing for 21.99%.

---

yes definitely but I only know Citibank and Chase banks, can you give me a head up where to find CU's and their locations

[Anonymous]

http://www.creditcardconnection.org

[Kenny]

Like others have said.. keep your debt at lower rates.. and focus on paying them off.

[LearningMoreAboutCredit]

---

@wilson382 wrote:

---

@LearningMoreAboutCredit wrote:

Three years is a long time to pay off $1k IMHO...the interest rate is high too.  Not knowing your scores or anything on your report, you could get a loan from a CU for far better terms than what is offered to you now.

---

my Trasunion says 730 Score but that one is not fico;s score , also know some CU Names.

---

That depends on where you live but you can search here: http://www.ncua.gov/ncuamapping/pages/ncuagovmapping.aspx

[wilson382]

Wow By looking at credit cards Unions I found out they offer better apr and lot of more stuff better than Banks

[LearningMoreAboutCredit]

---

@wilson382 wrote:

Wow By looking at credit cards Unions I found out they offer better apr and lot of more stuff better than Banks

---

A membership to a good CU or two can be very fruitful in obtaining decent terms and limits.  Membership requirements have loosen over the years so it would be in your best interest to join at least two.  Personally, I like having options.