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No. of Recommendations: 6
The object of the game isn't just to get out of cc debt - it's to stay out of cc debt (unless you have a life threatening emergency and no other way to pay).

I've been a saver, and spender, and now I'm back to a saver.

When I was paying off cc debt, after 1-2 balance transfers I realized I made more headway just focusing on paying off my debt rather than trying to play the balance transfer game. As others have suggested, call your current cards to see if any will lower the current interest rate. But since you said 0% offers helped land you in the debt you're now trying to pay off, maybe in the long run they're not worth it.

I have to say, now when I look back on carrying credit card debt and the average interest rates, I realize how I really didn't get how it's impossible to get a 15%+ guaranteed return on an investment - so it's ridiculous to revolve that on a cc. Sometimes the more expensive lesson is better to pay, if that's the lesson that will sink into you and motivate you to change your ways.
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