I bought an electric bike with my credit card. It's on revolving payment (10,000 per month at 18% interest). I also have a "Card Loan" line of credit with SMBC Bank at 12%. I'm considering borrowing cash from SMBC to pay back the credit card company and save myself 6% of interest. Obviously the math looks good but are there any demerits that I should know about? I've never used the card loan before, just kept it around for emergencies. Thank you.