Guide
Should you use home equity to pay off card debt?
Moving card balances onto the house can lower the rate. It also puts the house behind the debt. Sometimes the better move is to reduce what you owe.
Using equity to clear cards is common. It can make sense when the interest gap is large, the payoff is complete (not a revolving habit), and you can still carry the new payment.
It is a worse idea when the cards would refill, when the new payment is a stretch, or when a second lien is the only thing standing between you and a tight month.
Debt resolution is a different path: you stop adding balances and negotiate what you owe. It will hurt your credit. It does not put a new lien on the house. For people with meaningful unsecured debt and thin or no usable equity, it is often the only rail that still works.
The useful question is not "can I borrow against the house." It is "does putting the house behind this debt leave me better off in two years."