Let me share with you my experience.

I faced the same problem early this year. I figured out it doesn't worth paying for the interest and personal loans is far lower than the interest charged by credit card.

I took a personal loan from HongLeong. Settled all my payment, and debt-free today. Yes, still need to pay the loan i took (spread it to 18 months).

Don't worry about the the approval. It isn't difficult to get loan nowadays. Some banks even offer a loan for you to settle your debts. Another way is do balance transfer (it is way much lower than 18% pa charged by credit card)

However, do a survey on which bank offering the lowest interest, check if there is hidden charges (like early settlement) and etc.

1-2 months back, i think RHB offering a balance transfer with quite an attractive rate. The catch is you must apply their credit card.

So there you go, do survey first. Since you just want to settle your credit card debts, balance transfer might solved your problem. Else go for bank loan (not ah longs..)