That rarely works. I’m guessing that you are paying at least 20% interest on your credit card balances. And any new borrowings would cost at least that much — unless you take out a home equity loan and use the money to pay down the credit card debt.
You do need some savings for emergencies. But even paying down half the outstanding card balances would be a huge help because the balance keeps growing if you only make minimum payments. An even better suggestion: What can you do to earn some money –and put it toward those credit card balances? Driving a neighbor to a doctor appointment, taking care of a family’s pet while they are on vacation, house-sitting, teach lessons to a child??? There should be some talent or time that you have that could be put to good use!!