The point I was making was in response to it being easier to keep up with one payment over two. IMO, it is easier to keep up with two payments than clip 100 $0.25 coupons and use them at the grocery store. The coupons would take a lot more time and organization than paying two CCs instead of one. I understand your comparison, but financial decisions are not completely based on cost. If paying down one account over another keeps the OP on target of paying down debt, it could result in saving more than the $25. If payments are made by mail, then keeping two accounts could cost more than the $25.
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