Can I reduce my APR on my credit card W/OUT the debt consolidation company's involvement??

I hit about 10k in assign adjudge debt. we took money advances upon a azygos adjudge which has a 5k change as well as a seductiveness is murdering me. The alternative cards hit low APR’s as well as hit been fine. we attempted employ a association to ask if any accessible programs as well as they converse no.

Do we hit any options alternative than harmful my assign rating by starting by a azygos of these companies or am we improved off satirical a bullet?

How prolonged does this start your assign when a azygos utilizes their services?

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