No. of Recommendations: 6
Credit card debt is right around $28,250.

I have another shiny new credit card account as well. That makes 2 accounts opened in the past couple of months. I don't particularly like opening more accounts at all, but rather see these as another dance with the devil that is a means to an end.

The newest account is thru a local/area credit union. Twelve months, 1.9% with zero fees. This was quite a bit less costly over 12 months than the offers we were getting for 0% APR with a 3% fee up front. Besides the two new cards that I balance transferred to, all of the other cards have a zero balance, a barely negative balance, or a pending final payment including residual interest.

Credit Union card: $14,600 at 1.9% for 12 months.
Discover Card: $13,585 at 0% for 13 more months.

^^^These are obviously temporary measures, as my debt will outlive the promo rates. By the time I need to deal with a rate hike I'm confident there will be other options AND smaller balances. The "big three" Bank of America, Chase, and Citi accounts can sit empty and I'll review their competing bt offers next year. <Fist bump!>

There are other significant challenges at hand in the present like the loss of both of our side hustle incomes and the roof on our home that is getting by with patches and promises...and so on...


And so we slog.
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