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Does that not kill your credit rating when it shows a refinance?Originally Posted by FlyingChipmunk
I called em (Chase Bank) up and said I was having difficulty making payments, then they referred me to their credit counselors and they set me up on a 36month program to wipe out my credit cards at the lower interest rates. They were able to include my Aopa MBNA account too. There is a service fee like 7 bucks per card but for me it was still way cheaper than the interest I was paying.