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Amarilys7

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is it better to apply for a loan to pay credit cards,or a balance transfer card? 5,000 only

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I recommend a balance transfer card if you can get one that is 0% interest for at least 12 months.  That will give you a good chamnce to pay off the cards withoiut having the interest charges added in.  If you were to get a loan, you WOULD be paying the interest charges within the first month.

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