1. I can't pay my credit cards.?
I have been treading water for 5 years. I have not been adding with additional p
purchases. I have been utilizing transfer balance options that offer lower int
erest rates, but the charge has gone gone up from 3% to in some cases 5%, and th
e time time they let you have the lower interest has decreased. So Bottom line
is I want to pay off these cards, but the transfer balance charges and then bei
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