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No. of Recommendations: 1
Would it be better to pay a 5% fee up front to transfer a high APR balance to an existing card, or to open a new card with no BT fee?

I'm glad that you raised this question, thought about it, and made as good a decision as you could. That's a muscle you're building -- doing analytic thought around your financial choices -- and it can be a ton of work to build that muscle. Once a day, though, over a long period of time and you will be YUUUUUUGE (Conan the debt slayer:

ThyPeace, has been reading Nerd Fitness articles, so you're lucky you didn't get a Captain America or Hulk reference...
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