Have I made a mistake?

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Hi folks, just wondering if Ive made a mistake.

I consolidated 2 credit cards with a loan.

Card 1 had 1900 at 40% on it.

Card 2 had 1200 at 30% on it.

Total credit card debt was 3100. Minimum payment combined was 130 a month.

I consolidated this with a high interest loan of around 70%.

Monthly loan repayment is now 190 a month over 4 years.

I was convinced this was the way forward as at least Im paying it off completely.

Would I have paid it off quicker and cheaper if Id just left the debt on the credit cards?

Thanks

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