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What I'm saying is, my previous cards just happened to be generated before payday, so when I got paid, I paid it. I just defaulted the same, got paid, went online and made sure everything is paid, that is my mistake no doubt0
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If you are wanting to clear it in 23 months, why not set up a direct debit for 1/23 of the starting balance? This means less reliance on remembering when to pay0
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