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CareCredit deferred interest ending soon....
I have $5000 balance that was 0% for 6 months. This deferred payment is up soon and I wondered what the best thing would be to do. Balance transfer on any existing cards isn't an option because my utilization is a little high (40+%). I have 3 other credit cards with balances around 35-45% utilization each. I'm working to pay these down. They all have interest rates between 12.99 and 18.99. Would it be better to consolidate with a loan rather than apply for another credit card, which may not guarantee a credit line to cover the $5000? I also don't want to add another credit card with higher utilization.

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