Don't do it. It could easy cause long term problems with your relationship. They have made excellent progress. Let them succeed on their own. It will make them more committed to never allow it to occur again and give them the knowledge that they succeeded. Their rates are not default rates. In not to distant future, they should be able to obtain low interest rate balance transfers. Given their rates they have been increasing their debt, but have no recent late payments.Have they tried to obtain low rate balance transfers? Do they know their FICO? Can they apply for a new card with a balance transfer offer? Debra
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