Re: Getting a lower interest rate
My advice would to be transfer both balance onto a 0% introductory rate offer card. You should get these all the time in the mail, then before your introductory rate expires, transfer you balances to another 0% or even 9.99% introductory rate card. If you do not get these offers in the mail, then google it. You will definitely find something. Even if you have to pay a $100 charge to transfer the balance, just think about all your saving in interest. Definitely well worth the effort. One word of advice though, be sure not to go past your introductory period, or you might have to pay compound interest for the whole period of 0%. Be sure to always read all the fine print before signing up for any new offers.
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