My credit card interest rate jumped beyond what auto loans finance at. IF the titles are with me can I take an auto loan on the cars and use that amount to pay off credit card debt that was incurred at a higher interest rate.

If your FICO score is any good, then that is a great idea. As the others said, the credit card companies have no idea what you used the money for, and as far as the rest of the world knows, your car is free and clear of any debt. Best idea is to go to a credit union, where they work for the members and not for the ceo.

Check it out, as they have just as many services as the banks have, and you can go to any other member credit union and use your ATM card to withdraw or usually deposit without any additional fees anywhere in the nation.

Also with the credit union, if you need more than the alloted $200 a day, you call them and tell them how much you need, and then go to a credit union ATM, and you can get it right there.