No. of Recommendations: 1
sunflare, contrats on building such an impressive savings base, and situating your debt into only a few, simple, direct places.

Given that, I agree with NagginFool, and believe a significant portion should be used to pay off HELOC or car (interest is similar, at least at current prime rates).

There's no benefit to using the BT, even if you could transfer the entire HELOC. The difference in interst rates don't seem to justify creating more complexity and risk to your debt - just as Fuskie already mentioned.

I know that in my case, I had to finally stop playing the BT game and focus on paying down the balance (as my grandfather says, time to xxxx or get off the pot). Personally, I like having everyting on only one card, rather than scattered about on several cards - little to no chance that I'll forget a payment somewhere. Even though I've received better offers than the 3.99%fixed everything is at now, I instead use the "higher" rate as motivation to pay it off even more agressively.

Again, given your significant ING balance, I would also suggest making a significant payment. The money in the ING account already belongs to one of the other creditors...time to choose one.

Regards,
Jon
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