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 Personal financial management, V2

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Pheonix
post Feb 13 2011, 08:26 PM

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i have 3 cc each around average rm5k usage, which total up rm15k.
i want to clear up the debt by using personal loan, is it advisable to do that ? since i notice each time i paid the amount didnt decrease much at all after a year.
Pheonix
post Feb 13 2011, 11:18 PM

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what do u mean by use balance transfer and get lower interest charge ?
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