It would be better to open a new card with 0% interest on balance transfers, move your debt to that card, then pay it off like a mad man before interest is charged.Your scenario indicates you aren't financially disciplined.

Everybody is different, but the climate is tougher now as carriers begin to cull customers to eliminate unprofitable ones.  

Eliminate debt, establish a budget, and save.

I agree with @Shawn Ackerman I would start applying the cash flow to debt pay down.!

Splitting the gift across multiple years may reduce immediate tax reporting but requires appraisals, legal documentation and proper structuring.If the house is highly appreciated, holding it for inheritance may be more tax-efficient because the recipient would receive a stepped-up basis to the FMV at the time of your passing, eliminating much of the capital gains tax liability.This post does not create a CPA-Client relationship.

Lenders usually determine whether properties are lendable based on the debt service coverage ratio. 

And you do not technically have to replace debt. 

For RE owners, death allows you to pass assets to your heirs and step up in basis, effectively eliminating recapture.

It's debt you'd still have to pay back, but at least you will not touch one of those two amazing interest rates. 

Less risk as far as a debt note, that's true, but debt is not the only risk to be managed.