<prompt> Human: Burried in credit card debt. Im wondering if this is a good.option for me. I have about 10k in credit card.debt. I have 6 cards that I nearly maxed out when I was not responsible. I want to take out a loan with my credit union to pay off all the cards and just have one payment. Ive changed my spending habits but Im not making progress in paying my debt. Any advice would be great, thank you.  <response>: I wouldnt close them, I would keep them open to allow the average age of credit to grow your credit score.The chase slate card allows free balance transfer and 0 of 15 months. Other cards could give you 0 for 18 to 21 months, but with a 3 balance transfer fee. 