If you can however, switch your higher credit cards payments to a Low APR credit cards then you could be saving money in the long run. You can consolidate all of your other credit cards that have high interest rates to one with a low APR and may find that you can pay off those debts incurred on the higher credit cards. This will be a big money saver if you can pay them off before the promotional period is over. Then you would not be paying interest on those debts and you could pay them off faster with a Low APR credit card.

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