Figured this was the best group for this question

Ladies I have been considering doing credit card refinancing I want to pay off my credit cards. Not sure if I should get the loan any ladies that have done this may I know your experience. I had all my credit cards paid off. Then I went through not having a job and using my credit cards to make ends meet. I did get pre approved for a few but I’m not sure if I should go through with it or not 🤷🏻‍♀️. Looking for any advice or anyone who went through the process.