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You would be better if we could pay the credit cards with interest rates higher in the first. When you have multiple cards and you have to pay something on each one, try to pay a little more on the cards with the highest interest rates.
Debt consolidation credit card in May make sense if you transfer the debt credit card with a higher interest rate to another card with a lower interest rate. If you take out a loan to consolidate debt credit card, you should read carefully the terms, including interest rates, the duration of the loan, monthly payments, and any penalty.
You should be especially cautious about obtaining a home loan to repay the credit card. You put your house in danger, and when you use the loan for a house or a credit line for purposes other than the purchase or renovation of your home, in the case of eviction, you may be subject to income tax on the portion of the debt cancellation, which corresponds to that other use of a home loan.