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Another thing to note, Merlocke, is that all those rates are for 'introductory periods' or bank transfers. It would be interesting to see what they jacked the rate up to after the first few months.
I have a Visa through a large bank, and they don't change any interest as long as I pay my balance every month (Except cash advance, which have large daily interest rates). Keep your Credit Cards clear of large numbers, and you never need to worry about the rate.
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