# Moving Card Debt to a HELOC Can Halve the Interest – If You Don’t Reborrow

- Source: Money Crashers
- Published: 2026-10-23T12:30:00+00:00
- Category: Markets
- Original: https://www.moneycrashers.com/heloc-credit-card-debt/
- Canonical: https://groundlevelnews.com/story/moving-card-debt-to-a-heloc-can-halve-the-interest-if-you-don-t-reborr-3cbd7f/

A home equity line of credit (HELOC) is secured by your house, so it charges interest at a fraction of a credit card’s rate, and moving card balances onto one can save thousands. Keep the savings by borrowing only what you owe, repaying the line on a fixed three- to five-year schedule, and leaving the paid-off cards unused. Source

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