Which is better: Credit Card balances or Car Loan???

Well, my vehicle is finally paid off and I have one of two options. I can either pay down my credit cards month by month using money I would be making a car payment with. The other option is selling my vehicle and using that money to pay them all down significantly at one time. I have been wanting a new vehicle and it seems as if this gives me the opportunity to buy one and finance the whole thing with no down payment or trade in. I have always heard that having a secured vehicle loan is much more appealing to your credit than having the same amount in credit card debt.

Currently my cards are close to their credit limits and total somewhere in the neighborhood of 20K. I could only sell my truck for about 15K but this seems to look better for when we go buy another house in 2 to 3 years rather than to have the cards paid down slow and have an older vehicle on top of that. Anyway, just food for thought. I am trying to convince my wife that a new truck would be better because I would not be purchasing another truck as expensive as the last and we have low credit card debt for 3 years rather than paying it down slow.

What do you all think, sell the truck and pay cards off or waaaay down OR keep the truck and use that payment to pay the cards off slow. Interest rate on the cards range from 7.99 to 14 percent. New vehicle loans are anywhere from 0 to 5 percent.