<prompt> Human: Me and my fiance are getting married in December and plan on taking out a personal loan for the wedding. The wedding will be about 8,000 but we also have some other bills I was thinking of paying off with the loan and turning different monthly payments into one payment a month with the loan. Credit card 1- 2500 with no interest until 2020. So far I am on track to pay that off before then. Credit Card 2- 850 again with no interest currently until about 10 months. These are both cards that we signed up for financing on things like furniture and her wedding ring, so that would be where the no interest until X year comes up. Was just wondering if it is a good idea to just pay them off by asking for a little more with the personal loan and eliminating multiple monthly payments and just turning them into one. x200B;  <response>: In your case, no. Both credit cards are 0 so adding them to a loan will cost you additional interest. 