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Loan vs credit card
I want to consolidate my credit card debt onto one card/loan. I want the term to be 10 years. It is until I join the loan onto my mortgage (on a fixed when rates start to climb again) probably within the next two years. I am aware that interest rates are higher for a personal loan (approx 8%) and there will be a penalty for paying off early. The credit card option however has a lower interest rate and no tie in but there will probably be a ballance transfer fee. The debt is for 15k. please help
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Do you have a 0% card with over this amount of credit available to shift it on to?Got Halifax Classic to reduce my interest rate by 5% woohoo - 10/06/08 Thanks MSE!
Another 3% shaved off 10/12/08
ANOTHER 4 % June 09:beer:0
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