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        <title>Credit card help </title>
        <link>http://ky3.yuku.com/topic/45/t/Credit-card-help.html</link>
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        <![CDATA[ I have two credit cards with my bank. One is $2,864.99 at 11.99 % APR and the other is $1,881.60 at 9.24% APR. (A total of $4,746.59)  I have no late payments.
Do I opt out of any APR increases and freeze the accounts and pay them down? Or do I transfer the balances to a 5.99 % and 3.99, respectively, % APR intro
deals my bank is offering? How can I consolidate the two balances? Any suggestions would be appreciated. Thanks ]]>
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			<title><![CDATA[ Re: Credit card help  ]]></title>
			<link>http://ky3.yuku.com/reply/102/t/Credit-card-help.html#reply-102</link>
			<description><![CDATA[ There are a lot of cards out there and each has it&#39;s own deal.  You can go to <a target="_blank" href="http://www.bankrate.com">www.bankrate.com</a> and search for credit
card &quot;deals&quot;.  Just make sure you understand the &quot;whole deal&quot;. ]]></description>

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			<author>feeds@yuku.com (creditcounselor1)</author>
			<guid isPermaLink="true">http://ky3.yuku.com/sreply/102</guid>
			<pubDate>Thu, 09 Apr 2009 10:33:18 GMT</pubDate>
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		<item>
			<title><![CDATA[ Re: Credit card help  ]]></title>
			<link>http://ky3.yuku.com/reply/101/t/Credit-card-help.html#reply-101</link>
			<description><![CDATA[ It turns out I can&#39;t combine my two credit cards and get the intro rate. It can&#39;t happen since the two cards are my bank&#39;s products. It has to be a
card from another company/bank to make it work. So, do you know of any low-rate deals out there I can take advantage off and combine my two cards? I&#39;ll be
looking, of course.
<br>
Thanks ]]></description>

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			<author>feeds@yuku.com (TroutBum4wt)</author>
			<guid isPermaLink="true">http://ky3.yuku.com/sreply/101</guid>
			<pubDate>Thu, 09 Apr 2009 08:33:11 GMT</pubDate>
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		<item>
			<title><![CDATA[ Re: Credit card help  ]]></title>
			<link>http://ky3.yuku.com/reply/97/t/Credit-card-help.html#reply-97</link>
			<description><![CDATA[ You are right, I do not mean close them but pay them off with the lower rate card and do not use them.  They will still show as a good credit rating on your
credit report. ]]></description>

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			<author>feeds@yuku.com (creditcounselor1)</author>
			<guid isPermaLink="true">http://ky3.yuku.com/sreply/97</guid>
			<pubDate>Wed, 08 Apr 2009 14:08:01 GMT</pubDate>
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			<title><![CDATA[ Re: Credit card help  ]]></title>
			<link>http://ky3.yuku.com/reply/96/t/Credit-card-help.html#reply-96</link>
			<description><![CDATA[ If I &quot;close&quot; the two orginal accounts, would this be a negative mark(s) on my credit score? Or do you mean freeze the rates on the two old acounts
and not use them?
<br>
Thanks for the information. Very helpful. ]]></description>

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			<author>feeds@yuku.com (TroutBum4wt)</author>
			<guid isPermaLink="true">http://ky3.yuku.com/sreply/96</guid>
			<pubDate>Wed, 08 Apr 2009 12:19:49 GMT</pubDate>
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			<title><![CDATA[ Re: Credit card help  ]]></title>
			<link>http://ky3.yuku.com/reply/93/t/Credit-card-help.html#reply-93</link>
			<description><![CDATA[ If you would be freezing the accounts at 11.99% and 9.24%, but you have the ability to transfer them to a card at 5.99% and 3.99% then I would transfer them
and close the original 2 accounts.  Make sure that a transfer balance is at 5.99% and 3.99% and this rate does not apply to purchases only.  I do not know what
the available line will be on the 3.99% card but if it is $4800 or more then I would transfer both balances to the one new card at the 3.99% rate.  That would
give you only one... ]]></description>

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			<author>feeds@yuku.com (creditcounselor1)</author>
			<guid isPermaLink="true">http://ky3.yuku.com/sreply/93</guid>
			<pubDate>Wed, 08 Apr 2009 07:06:12 GMT</pubDate>
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			<title><![CDATA[ Credit card help  ]]></title>
			<link>http://ky3.yuku.com/topic/45/t/Credit-card-help.html</link>
			<description><![CDATA[ I have two credit cards with my bank. One is $2,864.99 at 11.99 % APR and the other is $1,881.60 at 9.24% APR. (A total of $4,746.59)  I have no late payments.
Do I opt out of any APR increases and freeze the accounts and pay them down? Or do I transfer the balances to a 5.99 % and 3.99, respectively, % APR intro
deals my bank is offering? How can I consolidate the two balances? Any suggestions would be appreciated. Thanks ]]></description>

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			<author>feeds@yuku.com (TroutBum4wt)</author>
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			<pubDate>Tue, 07 Apr 2009 18:28:22 GMT</pubDate>
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