Should I apply for a fixed rate loan to pay off credit cards?

I have ,000 in total credit card debt (3 cards). Interest rates are 4.99, 5.99 and 11.74. The card with the highest balance is also the highest interest rate. According to a debt calculator I used, I can pay them off in 42 months with my income. I have been offered a fixed rate personal [...] http://bit.ly/kzU6sP