Anyone take a personal loan to pay off credit cards?

I was wondering if any one took a individualized bank give in sequence to compensate off their credit label balances? Do banks essentially suggest a credit label connection loans nonetheless as well as for which role only? From what we assimilate this would be improved than a 401K loan. Forget a home justness loan. Also listened sufficient about those so called “credit label correct companies” which they have been not value it. About 16k due as well as we am ill as well as sleepy of their financial charges , New fees, etc. Want cleared them once as well as for all!