Once again, thanks to all those who gave me such valuable input.I have since transferred over 5k to a lower rate CC - onethat will only charge 5.9% UNTIL BALANCE IS PAID IN FULL!!!I was tentative to do this - suspecting some trickery behind the scenes - but apparently I have good enoughcredit/payment records for them to extend this offer to me.So, I am sitting on the retirement $ and considering workinga P/T job in order to get in some extra payments on the outstandingdebt.-DI519
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