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One other thing here... Citibank (only one I know of) has an Exceptions Payments Processing department - to be used for paying off certain higher-rate balances out-of-order (rather than lowest first). This probably depends on what the balance with the 12.9% interest is, but it's worth calling Citi and asking about it.

I just did that for the cash advance I took for my car downpayment (don't flame me - ING took too long with the money), and it worked out fine. The one catch with this is you still must make your regular payment too.

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