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debt is being transferred anyway, why not wait a few months before getting the new CC "loan" (this does depend on getting CC checks that can be deposited like a check though vs having to do a transfer)

Well there was another thread I had about the BT offer. It is for 4.99% fixed and is open until 3/31. The consensus at the time seemed to be that in the current environment that was a good offer that may not be available in the future given how credit card companies are limiting BT offers.

So that is a factor for me that I am weighing along with everything else.
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