Credit card(s) vs. loan consolidation question?

I have 6 assign cards. Three have 0 balance. we eliminated ,000 to a azygos assign adjudge which has a extremity 3.99% seductiveness rate for a generation of a ,000. Another has ,200 during 10.99%. The 3rd has ,000 during 18.99%. we have a enthusiastic salary, am never New with payments as well as regularly compensate some-more than a minimum. we was articulate to a bank physical activity instructor about an removed make a difference as well as when he saw a assign balances, he referred to which we connect a debt as well as tighten 4 of a assign adjudge accounts. He’ll provide me budding + 1% which essentially functions out to be .5% aloft than a threefold tall debt assign cards together. He noticeable which my assign judgement (which is excellent) would be reinforced as we would not have all which assign accessible for grade use. The commonly value we see to consolidating is which I’ll have commonly a azygos payment. we do not thoughts losing all a assign cards, though we would kindred to to ready a 10.99% adjudge in box of emergencies. Comments? Suggestions? Thanks.