We have a little delima here. Hoping some of yall might have a better idea. My grandmother owes a few K's in credit card debt. And shes wanting to retire due to failing health. Well the failing health might get two of the cards paid off as they where insured against such (fileing paperwork now.Due to leave of work for now.) But i dont no what to do with the others. Im wanting to consolidate them together so i can pay them all off for her,as she will not be able to afford them. But i cant find a card to put them on that isn't a rip off any more. Is there any left? Thinking Discovery or MNBA bank are the best two. Her house is paid for and i hear that's the best way to do it, due to cheaper interest rates. But i just cant see turning an unsecured dept into secured on the house. Thinking id rather pay a higher interest rate. If something happens and the payments are late whats the worse thing they can do? Hold there breath till the turn blue. Anyway she never has never had late payments, but yet most interest rates are higher than 17%. Most are 21+%. Thinking we need to pull her credit report to have a look. Id think she should have an 800 score. But I'm guessing not, due to wrong information or something. Or maybe all card rates are high no matter the credit score? Is it possible to get say 14% or less. And not have the little fine print that says they can raise it when ever they want to? And no, im no angle. Some of the debt is mine. :nono: But i cant afford mine and hers to when there spread around so.