To choose the right path, calculate your :

If the balance isn't cleared by the end of the intro period, the remaining debt is subject to a standard high APR (often 20%+).

Moving revolving debt (credit cards) to an installment loan can improve your credit utilization ratio. Cons:

A balance transfer involves moving debt from a high-interest card to a new card with a 0% introductory APR period, typically lasting 12 to 21 months.