Advice regarding Credit Cards

A question about : Advice regarding Credit Cards

I'm enquiring on behalf of my father and I am also apologising in advance if what I write doesn't come across in the right way or make sense.

My Dad has 2 credit cards, 1 Halifax and 1 Santander Balance transfer card. He has asked me to enquire as to whether there's an option out there for him to take a loan out to pay the two of them off and just have a loan payment going out every month?

I'm not 100% sure if I have explained it enough so will do my best to elaborate more if that is needed.

Thanks in advance.

Best answers:

• a fixed term loan would most probably be lower interest, than borrowing on credit cards.. best to shop around, or look at transferring to another 0% card?
• Thank you for your advice. He has a Credit Score that on the edge of good and excellent. Think theres Ј9000 on the credit card. Is there any specific loans that could be recommended?
  Thanks
• Consolidation is not always a good option as the temptation then once the debt is on a loan is to carry on spending on a credit card and before you know it you have a large loan and a credit card. What was the credit card debt spent on initially?
  There is a new 3 year 0% credit card out with Barclaycard so he could consider transferring to that one from the highest card as that is probably the longest 0% deal you will get so I would consider that although the balance transfer fee is just under 3% but that would easily be recouped on Ј9k over 3 years if he was able to get that high a limit. How old is he and what income is he on?