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asked 12 months ago
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Usually not. Typically everything you bought with that credit card is a short term item or some sort of service, in other words things you've already used up or will quickly. By refi-ing your home and switching the obligation for those things over ot a long term loan you're now going to pay for those previously mentioned items for 30 years (or at least paying on them until you sell the home). It really doesn't make sense at all but people will do it because they're trading in a higher payment (credit card) for the lower one (refi). If the example above isn't bad enough most people just run the cards back up again even though they SWEAR they won't!
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