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Further note: When the card company calls up wanting you to transfer debt to that new temporary cheaper rate, make sure to inquire about the transfer fee -- and then ask them to waive it. If they won't waive the typically $50/3% transfer fee, just don't accept the offer unless you must. I've been keeping my debt down by playing the transfer game while I pay off the cards. I just transferred $2K from a 10% card to a 1.9% temporary spot this weekend, and I'll pay it off by the time November rolls around.
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