Refinancing My HouseI have a pretty substantial credit card debt with high interest rates. I have some equity in my house but not a lot of income. Does anyone have an advice for getting a better rate on my credit card debt? I have thought about rolling my debt into my house payment but it is a little scary. I have heard horror stories about last minute charges, hidden costs, etc with refinancing. At any rate, this seemed like a good place to post this request.