Again, whether or not you should pay off your existing credit card debt using a personal loan or a balance transfer is a personal matter and doesn’t usually come down to a right or wrong answer.
It will often come down to the method that you qualify for, and your qualification will depend on a variety of factors like credit score, income, and credit usage.
It may be worth comparing the interest rate offered with a personal line of credit with the interest rate you would get on a balance transfer credit card.
While the balance transfer card’s interest rate may be lower, the promotional period is another factor to consider.