<prompt> Human: I need to find a loan that lets me see the interest rate before I accept. I started out with about 6,000 debt on a credit card. I got a personal load with lower interest rate to pay off the card. Now with a tripwedding behind me I have 10,000 balancemy limit on the same card. I just transferred 3,800 to a knew credit card with 0 interest for 15 billing cycles on balance transfers. I pay everything on time but my credit score is going down because of some many inquires and new accounts. I would prefer to rip up the card and have all three on one loan. Credit score is down to about 678.Appreciate any and all. Thank you  <response>: Every loan andor credit product tells you the interest rate before you accept.Otherwise yeah your credit score is going down because your behavior is that of someone risky. You are opening new lines of credit to pay off old ones and then running those old ones up again. If you want your score to go up then pay down your debts and dont take on new ones. 