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well ladies & germs,
I didn't get mbna to extend my 5.9 BT rate on "a big debt", but
they *did* change my APR from 12.9 to 9.9 after the 5.9 expires.
(and I got his Name).

I still can't decide (Help me Fools!) if I should apply for the Capital One that *"promises"* a 7.9 fixed BT rate(no fee), or
hang on for 6.9 (no fee) for 6 mo that I have.

6.9 is the bird in the hand but 7.9 is "in the bush" (not W)
but its tempting to try for.

(there may also be a 5.9 if I get that shell gas card but I wanted to save that for small stuff so I could take advantage of the rebate at 5%).

Foolishly on Friday,
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