Now take the card with the lowest balance. Again, make this extra payment every month until that card is paid off, take the amount of the payments you were making on it and add it to the minimum payment on the remaining card with the lowest balance. Again, make this extra payment every month until all your cards are paid, and resist the temptation to use the transfer balance option to move debt from your current cards to these 0% APR cards. This will allow you to simply make the minimum payment on the remaining card with the lowest possible interest rate and should really be kept for the sole purpose of emergency.

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