May I ask a question

If 1 owe few bank's Credit Card and I plan to refinance my house which is fully paid, can it be done?

When banks look into records, they might say I have high commitment, can I arrange with bank to settle those credit cards? and get some balance for my own use?

the problem of refinancing is the loan takes a long time to process and money disbursed.

I think 3-6 months, right?