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Paying off a credit card
Paying off a credit cards that have interest rates of higher than 20% can take years by making minimum monthly payments. Many credit card companies offer credit card debt consolidation where they will let you do balance transfers at 0% interest rate. However, many of the 0% credit card debt consolidation offers are just a teaser where the 0% interest rates only is good for 90 days or possibly more and the interest rates go back up to 20% or more. Refinancing your home with a cash out refinance mortgage may be your best option to do credit car debt consolidations. Home equity loans is another option to consolidate your credit card debts. Here is an article on debt consolidation through a home equity loan.



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