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    #16
    Let's see.

    Balance transfer: 3-4% transfer fee depending on the company you're moving the balance to.
    Savings account: 1% at best.

    Pay off the card. Why lose 2-3%. No brainer, IF you already have sufficient savings for an emergency.

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      #17
      Pay off the credit card debt as soon as possible. I would even consider using savings to pay it all off as you are paying nearly 20% in interest!!

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