Utilize your financial knowledge, give your answer or opinion to the input question or subject . Answer format is not limited.

Is it a good idea to get an unsecured loan to pay off a credit card that won't lower a high rate?
Go where your money is treated best.  If you can lower your APR, great. It should help a little bit with getting a mortgage if you can reduce your payment.  Your debt-to-income ratio would go down.