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If you could transfer the MBNA balance off to other cards, or pay it with your line of credit, then you could transfer the same balance back, or the balance from other CCs, to the MBNA at 0% without trapping the $7.2K at 13.99%. Just a thought.

That's the way that I've been thinking. I've only toyed with the idea of transferring to the MBNA thinking that it may lower the overall rate that I am paying. But then again, it wouldn't be by much and because none of the payments to the MBNA card would go to the 13.99% balance I may actually end up paying more interest on the deal--particularly with the new minimum payment guideline being adherred to.

If I can manage to get enough room on other accounts, then I will certainly dance as much as need be to get everything consolidated to the lowest rate that I can manage.

--Xenonax
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