If you’re carrying a lot of credit card debt on a card with a high interest rate, don’t just let it sit there. Of course, work hard to pay it all off as soon as possible, but also look into moving the debt, or much of it, to a balance-transfer card that will give you between about 15 and 21months with 0% interest charged on your transfer. Pay attention to balance transfer fees, if there are any, and factor them into your decision. It’s best to not pay such fees, but paying 3% on a $8,000 transfer, or $240, could still be worth it, if the rest of the card’s terms are good.
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