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  • The banks charge 3% on balance transfers, so this more than covers the cost of the credit they are extending on the balance transfers??? If you strictly use the card for new purchases and are disciplined, then it does make sense, but I pay off my balances in full each month, and I do not like to carry debt, other than my mortgage, even if it is at -0%- interest??? I agree with the posters who recomme
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