I have two credit card that has a total of $19,000 debt with a crazy APR of 24%. I got an offer from another creadit card company that's offering a personal loan up to 35K with an APR of %7.99. Should I go ahead and consolidate my two CC debt and get the low APR personal loan? Would getting another loan decrease my creditt score? Thanks.
By the way, this is not an offer from a credit card consolidation co. It's from Capital One offering a personal loan w 7.99APR for the life of the loan.

I do not think that it should hurt your credit. It is actually better that you consolidate all your debt.

Just do not close those two credit cards. Keep them open because when you look to acquire a mortgage, you need to show that you have open trade lines of at least $5000, and one of them has to be open at least two years.

Paying it down as much as you can will only boost your credit score and never being late on it especially