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Hi folks, I've been lurking around the boards on a trial membership and have learned a great deal, so now for a question..

Here's my situation.. I had my CC debt down to about $1500 but decided it was time to buy an engagement ring so now my debt is back up..

Currently I'm at:

Umbrellabank (mybank) Bal 1850, limit 2000, 10.9% APR fixed
GetSmart Visa Bal 1800, limit 2200, variable APR now about 16%
Citibank Loan Bal 2500, limit 3500, 24.99% (ouch!)

E-fund $600 at about 2.8% (savings acct)

I just got a Discover with a 0% BT until 2003 (12% afterwards 6000 limit). I BT'd the Citibank balance, and am thinking of BTing the GetSmart.

That would make a balance of about 4300 on the Discover. I could pay off a big chunk by 2003, but not all of it. Do you think I should still BT both?

I'm not 100% sure on where the interest is retroactive after the BT teaser, trying to figure that out. Has anyone else had this happen recently?

I already try to LBYM and snowball so hopefully I should have these knocked down again by the wedding (April). Whatever money we receive as gifts will go to CC payments to knock them down so we can save for a house.

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