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Will transferring part of my balance to another CC improve my debt to credit ratio?
I had emergency surgery and was in the hospital 3 months. I had to pay $3000 out of pocket and put it onto my Visa card at 10%, with $4000 limit, rather than M/C at 19%, with $2000 limit. I thought debt to credit ratio was total of all of them. It says I should transfer some balance to improve my ratio. Are you sure this is correct?

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