I would do my best to pay off the credit union card, freeing up room to transfer the remaining balance of the new card over, once the 0% rate expires, to the credit union.This way, you'll pay down the balance at 5.9%, your highest rate, and then once the 0% expires and becomes your new high rate at 14.99%, you can move it over the the credit union to your lowest rate, 5.9%.laura
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