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I too fell into the "another $30 isn't going to matter" trap. I'm at 15K as a result. EVERY charge matters! Every nonessitial dime is going into paying this off (not down), right now 500.00 a month. My interest is 11%. Would I be wise to transfer my balence to a low introductory rate card while i'm paying it off? Would it make that much difference? I'm not that good with math. Wish me luck! Thanks, Rick
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