Help with Credit Cards
Regardless of whether or not you want to take out a CU loan, transferring your 7k debt to another credit card company might not be an option. 7k is a fairly hefty limit on a credit card with a company with whom you have no record.
Taking a loan out, even over 12 months, is probably your only realistic option. Once you hit the 6 months with a new credit card company, the interest starts piling up again & you'll be back to square one.
And if you do take out a loan to clear the cards, close both of them. You can use laser for most things now & it is very vary hard to be disciplined with credit cards.