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We have $9500 in cc debt. Was much more, we've been doing the snowball method and it was working great until the financial crisis sent our rates sky high and a few things that wiped out our emergency fund. Credit Karma had an offer showing I could consolidate with a company at 6.8%. All but one card is at 11 - 14%. One card is at 3.9 for life. Is this a good option or will it have unexpected consequences for my credit rating, which is currently excellent?
Thanks in advance.
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