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Transfer Balance Credit Card - Personal Loan
Recommendation to improve Credit score and credit usage was to apply for a new Transfer Balance Credit Card with good transfer options or apply for a personal loan. So, if applying for a new Transfer Balance Credit Card, there's no way of knowing upfront as to the dollar amount you will be approved for. Therefore, isn't that just adding one more credit card payment to your list without fulfilling the reason for applying in the first transfer large balance from another card with no rate for X amount of months in order to pay the debt down?

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