Hello,   I am trying to pay down my biggest credit card debt. It is a little bit over 10k. The personal loan option being given to me is a 10k loan, $409 monthly payment, 3 year term on 30% APR with 27% interest. The APR on the card is 22%. Would it make sense to take this loan or should I just lock the card down and make the payments. They are usually around $310 a month but I usually have to double that to make progress because of the interest fees.     ... View more