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I only have one credit card left to pay off until I'll be BROKE (in the "improvement" sense of the term). Balance on this is 16,000, and interest rate is 23%.

I'm able to pay between 1200-2600 on this per month, but I'd rather this be done in 6 months, than a year!

What advice can you give about the following options:
a) Just bucking up and paying the dang thing off with no adjustments
b) Applying for a personal close-ended unsecured loan, and paying that off ASAP
c) Asking for a rate reduction (I talked with the bank yesterday. Without negotiation, they'd bring it down to 20%. Not much improvement.)
d) Trying to shift to other credit cards (I'd rather not do this, since I'm so close to being finished)

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