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If it's listed as a consumer finance account, yes it will hurt your credit, but I highly doubt this would be as you aren't financing anything. While it's a high interest rate, it's still lower than if you did nothing. As long as it doesn't flag as a CFA, I would take it and refinance 6 mos to a year down the line.
How much are we talking here?
I personally don't think it's worth it . . and know that I say this having done the same thing dozens of times before my BK and it never really fixing anything. They were just temporary band aids that I thought would fix things that never improved my financial health (and typically resulted in me ending up with more and more debt.)
The key really lies in your budgeting and spending and fixing the issues there is what is going to eradicate your debt once and for all.
If you can stop using your CC's, boost your income and trim your expenses, you'll start making real progress on this debt. Once your utilization starts coming down, your profile will improve greatly and options will potentially open up to you to actually get all of this debt in one place at a decent rate. Until then, I think the piecemeal action of moving part of the debt to another crappy high interest rate loan does you no favors.
My suggestion would be to try with a local credit union since they usually offer lower rates.