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I see you have a federal credit union card. We have a very good relationship with our federal credit union. I would go in person and talk with them to see if you can get the rate reduced and your limit increased and then do a BT to that card for at least some of your debt.

Also if you have a share account (or whatever they call it where you are) you might be able to get a share loan at a lower rate for some of it as well.

I don't have enough details to tell if either is feasible for you.

Molly--loves her cu
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