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We have had three different credit cards. When we bought our house and then refinanced we finished paying off the two cards that were left then. The interest rate on one had gotten bumped up when we missed a payment and it was at a ridiculous 22% interest that made it impossible to pay off while paying just a little more than the minimum even. We are debt free now except for the house. We tried to base our ability to pay for that on hubby's income alone so that if anything happens to him and I got a job I would still be able to make the payments on my own.
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"Always learn the rules so that you can break them properly." Dalai Lama
My Karma just ran over your Dogma. 
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