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Don't forget to pay close attention to balance transfer fees if and when you're ready to apply for a new card. Citi and Discover have been competing vigorously lately and raising/dropping BT fees back and forth. For example, Citi raised it's BT fee to 5% on the Citi Platinum Select, which offers 0% for 21 months (best on the market right now), but then dropped it back to 3% again when the Discover More card hit 5% too.
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