Paying the lower interest rate and paying the card off sooner sounds great. What’s the catch though? CC companies do not do such things out of kindness. What’s in it for them? If you are late what happens? Do you go back to the 32% or penalty rates/fees/etc.?
I ask because life happens. You could lose hours or something else could come up and you not make the payments.
Also, in order for it to work, you should keep making the larger payments that you are currently making, even with a new lower interst rate, so your debt goes away faster.
Look with eyes wide open before jumping on this.
you may also want to be sure there is no annual fee, or introductory fee? etc…