should never do personal loan to settle credit card bills.. they are more expensive.. there is another better way to settle cards bills.. that is to do Balance Transfer. All banks have that, its easier and a lot cheaper than personal loans! my bank offers 6.88%p.a. thus i always advise my customers never to take personal loan if their main reason is to settle credit card bills. So girls, if u wanna settle cards bills, consider balance transfer instead of personal loans ya