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I Carry Very High Balances On My Credit Cards. – Joyce

Joyce “Dear Steve, I CARRY VERY HIGH BALANCES ON MY CREDIT CARDS,AND ALWAYS MAINTAIN TO PAY MORE THAN THE MINIMUM (NO LATE PAY EITHER). WITH A FEW BANK MERGERS, I’M RECEIVING A CHANGE OF RATE FROM FIXED TO VARIABLE APR..AND IF I DON’T AGREE CLOSE THE CARDS,WHICH IN TURN LOWERS MY CREDIT SCORE.I DON’T KNOW …

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