<prompt> Human: My financial situation is fairly simple, I make about 115k a year, I have a 9k amex balance 8 and a 1500 student loan balance. No car payments or any other debt. I have 6k in my checking account and another 3k in savings.I had a rental property a few years ago that really wiped out my savings. Had a ton of damage done with no recourse through the tenant, and I blew away most of my savings fixing it and then selling it and have since been aggressively paying down CC debt. On top of this my father semi scammed me out of a decent sum of money before he disappeared out of state. Ive been trying to dig my out ASAP for the past yearSo, heres the situation. My amex is through costco, and I guess theyre trying to transfer the balance to a visa card that is 18. I called wells fargo and they offered me a 36 month loan of 14k 7.5. Im trying to figure out the best way to handle this.. The 14k loan is appealing because that will pad our savings a bit. My income is enough where Im not worried about the monthly payment, but I do need to get things in order for when I apply for a mortgage. I figure that an unsecured loan with a defined end date will look better than a revolving CC balance.Thanks all, any opinions welcomed!  <response>: Youre stressing about the wrong things. Which credit card you have shouldnt matter.You make 115,000 a year. Get yourself on a budget and pay the credit card off. You should be able to do this in 2-3 months time.Also, in no way shape or form should you be buying a house until you get your finances in order. You make 115,000, but you have no money. You are broke. How does buying a house make sense? 