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true - i should try to get a loan now. my broker mentioned as long as you can prove that the credit card is closed - which you have it shouldn't be a problem i remember being blacklisted by a few banks 7 years ago as i was closing quite a few of my home loans within 1 year or opening them.

Why take a personal loan? just apply like an ANZ or NAB cc balance transfer 0% with 15-18 months interest free. I believe ANZ is fee free as well fro the 1st year. short term loan would affect it greatly. with credit cards - as long as you can document that the card is closed - it should be fine.