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Is the minimum payment on a $3K balance really $350/month or is that just to pay it off quickly? Paying less usually means your primarily just paying the vig. Costs you more in the long run but much less expensive than taking from your IRA I would think.
Can you find another card offering no interest on balance transfers? You could probably get that payment under $200/month or less going that route.
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Stangers have the best candy.
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