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Am I missing something here (which is probable as I am really tired today) about your goal to pay off Citi which if I am reading things correctly has the lowest usage and interest rate of any of your cards with outstanding balances. I did wonder why it increased from Feb to March but I suspect you have mentioned that in a previous post--vet bill, perhaps? Are you just trying to get rid of it to increase your cash flow? With the O% interest, could you BT to it now?

I think my first goal would be to get everyone (except the mortgage)
under 90%.

Molly--who thinks you are doing good and remembers when you first posted.
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