advise needed for debt consolidation and asset building
annual income 100k
credit score 724
cibc Uloc - 10.9%- 22k limit 9 k owed(locked for 3 missed payments 7 years ago)
cibc visa - 13.9% -22k limit 22k drawn
bmo visa- 11.9% - 4k limit 4k drawn
credit union visa - 11.9%- 14k limit 14k drawn
all accounts have no missed payments ever except cibc Uloc from 2014/2015
i was looking for uloc to consolidate with but no luck
no investments. 100k plus room in rrsp, tfsa -unused.
currently changing lifestyle to increase cash flow.