Consider refinancing your mortgage to pay out credit card debt.  Interest rates charged on outstanding credit card balances can be very high.  With rates ranging from 12% to 28%, it will take much longer to pay the debt off and you will be paying mostly interest charges to the financial institution.  If you increase your mortgage to pay out the credit card debt, you will be in a much better position to pay off the outstanding principal balance quicker while paying much less interest to the financial institution.  If you would like more information on this, please contact me at bjeysman1@cogeco.ca or phone me at 905-978-7283.