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No. of Recommendations: 2
Neveragain -

If I understand correctly, you have another BT offer 0% till July 2015, but a 4% transfer fee. If you use the BT, you'll have an account closed out in Sept/Oct instead of Nov/Dec?

This is really a math question, but it sounds like you'll be free and clear without a BT in about 2-3 additional months. I think you'll pay less interest without taking the BT. If thats the case, I would not do the BT.

On a separate note, sounds like you are making progress. If you keep it up, In January I would start calling the folks where BT are about to go up and negotiate on the rate - basically, let them know if they can't do better on their interest rate, they are your next target for payoff. You'll probably be able to get a few percentage points shaved off of Citi.
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