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<<We have a $14,000.00 credit card debt, all at 4.9% APR, no annual fees. This is combination of
student loan which I transferred to this lower interest rate, plus expenses occurred during the
transition of moving, marrying, changing jobs less than a year ago. We don't use the cc's any longer
at all.

My question: We are able to pay this down at about $1000.00/mo. Is that the best way to do it?
Since interest rate is low, would it be better to be putting a part of that money in an investment that
gets a higher interest rate?>>

I would suggest paying it off ASAP; if anything goes wrong (make a payment late, whatever), the cards jump to about 18%. Why gamble! Just pay it off and then use the $1k for investments. My sister has been card surfing for a couple of years -- it gets old fast.

How I'd do it

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