<prompt> Human: Hello PF! LC is offering 7900 at interest rate of 11.53 as APR of 14.38 whereas my credit card is at an APR of 15.24. There is also a one-time origination fee of 316.00 with LC. Does it makes sense to pay the fee for less than a full percentage point? If it matters, we are on track to pay off cc debt in 11.5 months.  <response>: you wont make up that 316.00 with under a point in 12 months. LC payed off in 12 months would total 8844.76. Sticking with your credit card would be 8567.28. you will pretty much just give LC 316. 