Credit Cards For People With No Credit

I am planning to do a little bit remodelling for our house, which will cost us around 10K. I have an offer from Credit card company for 4.99% checks for the life of the balanace and also another offer for home equity for prime rate 8% (since I only borrow the minimun, they can't give me their best rate).
Considering tax refund and fico score, which one should I take? If I take the credit card offer, will it hurt my FICO score more than if I take the home equity? (my score is around 765).

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written by Author \\ tags: 3 Ways, amp, Blog, checks, credit card company, credit card offer, credit checks, Decorating, Fico Score, Heloc, home equity, Home Improv, Home Remodelling, Little Bit, Prime Rate, Raquo, Real Estate Investment, Remodeling, remodelling, Rv Air Conditioners, Tax Refund

I have four separate cards with mid- to high levels of revolving credit w/ different interest rates. I'd like to get them all to one card. Which cards out there have high balances so I can do this? The total amount of cc debt I am carrying (embarrassed - but I started a business a year ago) is ,000. Thanks!

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written by Author \\ tags: airlines, balance transfers, Best Fit, cards, Credit Card Balance, Credit Cards, Game Cards, Heloc, interest rate, Interest Rates, Nintendo, revolving credit, Siliconera