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Am I missing something here (which is probable as I am really tired today) about your goal to pay off Citi which if I am reading things correctly has the lowest usage and interest rate of any of your cards with outstanding balances. I did wonder why it increased from Feb to March but I suspect you have mentioned that in a previous post--vet bill, perhaps? Are you just trying to get rid of it to increase your cash flow? With the O% interest, could you BT to it now?

Citi has 0% on purchases only through June. I put auto expenses and vet on Citi rather than use e-Fund (now at $1,100). They have been sending various offers (not good enough yet). I want to clear the card before June and make sure it has a $0 balance for when a good BT offer comes.

I think getting BofA under 90% will bring that rate down.


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