I really don't know much about doing this, but would a personal loan help? Probably give you a better rate than your credit card. (Obviously besides for what you can do a balance transfer to a apr free (for whatever months they give) CC).
Related Question to this thread. (asking for a friend)
someone with one-time debt, but closer to 40K, so BT, while good, isn't gonna cover it (and paydown will be more 4-5 years than the 18-21 months of a BT card).
Is a personal loan the way to go? what kind of rates can he hope to find?
what's the best way to go about it? specific banks? bank vs. Credit unions?
Is he better off trying to negotiate down the rate from the CC issuer?
where would he get more info?
@ChaimMoskowitz