I guess that's the rub - using it 2x per month. They probably hope you'll buy a $25 dinner or $50 gas fillup & then get charged 13% for those compounding until the entire BT is paid off.i like the pack of gum every Monday idea. Whatever you bought twice a month would have to be very inexpensive or else you're not really making any progress. I'd screw something like that up & would opt for a less complicated solution - but you might be a lot more organized than I am.
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