@ashhhhhhole If you can get a loan at a much lower rate (2 points or more) take it and pay off the card. It sounds like you’d not run up the card again so it makes sense to shift your debt to a lower rate. You’ll take a hot on your credit score for a few months. It’s the smart move.
@ashhhhhhole Shorter is better. ‘To whom it may concern’ can’t go wrong. Without reiterating your resume, explain why you’re the right person. “As you will see from my resume, I am exceptionally qualified for this position and look forward to discussing my unique experience with you”.