No. of Recommendations: 3
I want to pay it off as fast as possible.

First, stop using either of the cards for any new charges at all, then. Adding additional debt to cards that you are trying to pay off as fast as possible is completely going in the wrong direction.

Then start paying the minimums on the card with the lower interest rate and put every cent that you can lay your hands on toward the higher rate card.

If you can get a loan at a lower rate without paying any fees, and you continue to make the same payments that you have been making to both debts, that would speed your payoff and save you money. If there are fees for the new loan, you would need to run the numbers to see if there really was savings.

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