What's the most money you've owed to credit card companies, just for fun and profit? What rate(s) did you pay on it? Any special rationale? How much of Other People's Money do you currently owe? What credit limit utilization % does this put you at, approximately?
I'm not so much wondering about "real" credit card debt, the kind that's used to buy goods and services, and just can't be paid off right away. I'm wondering about the debt that's incurred in order to make (or save) more money elsewhere, either by investing, or pay paying down higher rate debt like a mortgage, HELOC, or even auto loan. (Real debt for things like mortgages or car loans definitely doesn't count)
For example:
In my case, currently, with the cards I have just recently got from an app-o-rama, I will have floated almost $73,000 of debt, all initiated over a couple month period. It's all at 0% promotional rates ranging from 6 to 12 months. I thought about taking advatage of a 1% offer, but it didn't seem compelling after factoring in fees. And my current outstanding debt of Other People's Money is about... $71,000. . That's about 55% utilization across all cards.
Letsee, roughly right at the moment: Citi $80k+ Wamu/providian $25k+ MBNA $50k+ Chase $75k+ BofA, Principal, Discover, RBS about $50k combined so about $280k, all at 0%.
Nice yearly chunk of change.
Goal is to multiply this by 5-10 by next year through getting higher CLs and App-O-Rama.
markkundinger
Senior Member - 2K
posted: Jul. 22, 2006 @ 4:28a
SIS, your reponse brought to mind an important point, which I just added to the OP, approximately what utilization percentage would that $280k be for you?
The reason I ask is that for some, carrying the debt might be pretty much maxing out their available credit, while for for big slingers it may be a non-issue. In my case, while I feel pretty maxed out, it turns out I have enough random credit that I'm still only at about 55% total.
Just shy of $240K. Most are @ 0%, though at today's rates, with fees capped, terms of at least a few months, and a low tax bracket, you can even clear a decent margin @ 0.99%. Now is this a great country or what?
markkundinger said: SIS, your reponse brought to mind an important point, which I just added to the OP, approximately what utilization percentage would that $280k be for you?.under 30% overall utilization among all open credit lines, but usually up to about 90% utilization on the cards with the 0% offers
codename47
Senior Member - 3K
posted: Jul. 22, 2006 @ 5:27a
Currently, I owe about 200k even, twentysomething professional.
82k USAA stock loan (7.2% term loan)
10k USAA loan (1% term loan)
30k USAA Credit card (5.5% fixed for life. Special promo deal I called in about)
60k USAA home equity line (7.12% equity line locked in before the last rate hike, converted to a P/I term loan)
25k BOA (3 cards 1.99, 1.99, and 0% for a year)
12.5k Pentagon (4.99 fixed for life)
I am running about 60% or so of max utilization of 325k, which includes some business LOC's and credit cards. I too like cheap debt. As long as I can borrow in a range around 5% (+/- 2% or so) I can do great things with it. I have 2 business LOC's I am trying to pay off (one is paid off, the other is nearly paid off and is at 10%) that I don't really count toward my current utilization, since they are going to zero.
Call me one of the "non-risk averse" types, but I don't opt for fixed income investments. I need high yielding stocks. 10%+ or better.
Some might call that strategy crazy (PM me for details and specific info if you like), but then again on the stock message boards, some people think investing with low interest debt is crazy too. I guess all in all between all the conventional wisdom, I must be certifiably insane for either borrowing to invest from a credit card (as the stock types suggest), or borrowing at a low rate to invest in high dividend paying stocks, and should be locked away (as some FWers suggest). I'll take my chances.
I peaked at $374,100 early this year but it has come back down to ~$84,000 because of expiring 0% offers and the slashing of credit lines .
InterestedOnlooker
Senior Member - 1K
posted: Jul. 22, 2006 @ 5:52a
codename47 said: on the stock message boards, some people think investing with low interest debt is crazy too. I guess all in all between all the conventional wisdom, I must be certifiably insane for either borrowing to invest from a credit card (as the stock types suggest), or borrowing at a low rate to invest in high dividend paying stocks, and should be locked away (as some FWers suggest). I'll take my chances.
I can relate somewhat as I recently was on what I thought was another general financial discussion forum where people were bemoaning how hard it is to close a CC account without getting a whiny CSR begging them to stay on with 0% deals. They were all bragging about how much they paid off & all the cards they were closing & moving to a debit card/cash only system for their family.
I made the fatal mistake of letting them know that some of these moves could actually hurt their credit scores & that 0% deals can enhance the quality of one's life if used appropriately.
Well, you'd have thought I'd just beat somebody's puppy dog with a stick! I was told that I must be a debt lover because all a FICO score is is an "I love debt" score---well, yes, I do love the RIGHT kind of debt, thankyouverymuch. I was also told that I should read more & learn why CCs are so bad for everyone & why everyone would be better off in this world if we stopped using credit---yeah, most corporations (which most people do rely on) would disappear since getting money from stockholders would be bad, right? Not to mention the fact that good FICOs can make or break an offer of employment & insurance. My DH's situation of not wanting to float thousands of $ for his company's expenses out of our cash bank account instead of a rewards card that gives us time to get his reimbursement checks back from said company received only a minor concession from one person that this circumstance may be working for us. Many of them also told me that the temptation to spend more on krap because of the access to credit would probably be too great for me because it was for them. Uh, no, I operate on the principle of moderation---I'm not an alcoholic, I don't have an eating disorder, & as one FW'er pointed out for himself, I too am not afraid of stabbing myself to death just because there are knives in my kitchen.
You've probably guessed by now, but if you were blissfully unaware of his followers otherwise, I'll say that I'd stumbled across an almost militant Dave Ramsey "Total Money Makeover" board without realizing it. Once I realized my faux pas, I typed "nevermind" & left. It wasn't worth it to me to start a war there. Those folks are entitled to their opinion just as I am to mine.
Oh well, whatever. I figure that all those who are not taking advantage of the benefits of good credit are just making it easier for me by not competing for the same pools of money available.
InterestedOnlooker
Senior Member - 1K
posted: Jul. 22, 2006 @ 5:53a
DPG said: I peaked at $374,100 early this year but it has come back down to ~$84,000 because of expiring 0% offers and the slashing of credit lines .
How did the slashing of credit lines come about? Did you initiate that or did your creditors?
codename47
Senior Member - 3K
posted: Jul. 22, 2006 @ 7:18a
I am fairly certain the poster didn't initiate it. Several CC companies are fond of this if your FICO is too low due to utilization or if they just feel like you are using too much credit. CITI, MBNA, and Chase are all fans of universal default, which is why I don't patronize them, at all.
Total of $94k BT across all cards. Started at about 90% utilization on all BT cards. About 48% BT utilization among all cards (does not include purchases).
UnixLab
Senior Member
posted: Jul. 22, 2006 @ 8:55a
Do you mind to post your age also? I find it hard to believe that you get 280k BT...You can even buy a house with this 0% BT in some places. I wonder maybe you have some age with a long long nice credit history.
SlimJr
Senior Member
posted: Jul. 22, 2006 @ 9:08a
Citi--$10,400, 1.9% for life, 89% Schwab--$8,999, 1.9%, 89% Discover--$4500, 0%, 75% Chase--$3,000, 0%, 50% BoA--$2,500, 0%, 50% Citi--$1400, 0%, 50% Total--$30,799 out of $56,000 for 55% overall utilization.
Age 25 and a grad student (low income). When everything is paid off in March 2007, I'll probably pay the for life deal down to 50% and try to repeat and diversify (try to pick up Providian for FICO score, AMEX Clear or Blue Cash, and a "true" MBNA card for Bill Pay if it exists after the merger is complete).
The best part is I owe about 125% of my GROSS annual salary.
InterestedOnlooker -- Although slightly OT, I nonetheless enjoyed reading your ancedote. Thanks for sharing.
CreditGuy
Senior Member
posted: Jul. 22, 2006 @ 10:31a
I've been playing the game for a long time (credit history nearly 40 years). I've got approximately $225,400 in BTs as follows: Chase card #1 $37,000 82% Chase card #2 $31,000 78% Citibank $43,000 84% HSBC $2,000 40% MBNA $14,400 47% Providian $1,600 40% Add to that business cards (where I don't worry much about utilization): AMEX $15,000 41% (0% on purchases only for first six months) CapitalOne $14,400 72% Chase $11,000 73% Bank of America $16,000 80% Add to that purchase checks or the equivalent (no interest if paid back when due): Capital One $17,500 87.5% Capital One $3,500 70% Citibank $19,000 94% (a credit line, not a credit card--always paid in full before statement date--and nearly maxed out after statement date; never a fee or a finance charge!)
Almost all of these are at 0%, except I just wrote a BofA check for 2.9% (+$75 fee). Reason: I also have a HELOC loan for $150,000 at a special rate of prime less 5.24% from Citibank. I almost maxed that out to put the funds into 5% savings. But that rate expires at the end of July and I'm back to prime-.25% on it, so the savings will be drained again to pay off that loan. Because of that, anything under prime -.25% will once again be attractive to me. I'm investing most of the funds (with a great deal of risk, but doing OK so far). I haven't calculated my overall utilization lately but it's under 50% on credit cards. The HELOC utilization is very high, but it will be paid off almost completely in a week. I know utilization is high on some of the high limit cards, but I just couldn't resist the temptation of 0% in a "guaranteed 5%" environment. I'll be paying down each of those to below 50% before my next app-o-rama. And, oh--I have a 0% BT offer "on hold" on a Citibank business card. It starts when I make my first BT and lasts for a year. Have to do that by November, but I want the other Citibank card BT to be closer to its expiration date, since I plan to pay it off and transfer most of its limit to the card that's on hold before doing the new transfer...
Banks are crazy. Take advantage of their madness!
janwad
Senior Member
posted: Jul. 22, 2006 @ 10:37a
When I found FW in 2005, we had 1 cc, 10k limit, no debt for years. I would have been happier on a Ramsey type board.
I slowly started collecting sign up bonuses and reward cards, then finally found the courage to do 20% discount gift cards. It's taken me 18 months to convince DH that we should do BTs. Between us, we'll have 86k at 0% for our first round. I think our total CL must be about 130k by now.
I'm expecting a hit on my score, but I shopped around for insurance first and we don't need jobs or loans.
markkundinger
Senior Member - 2K
posted: Jul. 22, 2006 @ 11:07a
janwad said: When I found FW in 2005, we had 1 cc, 10k limit, no debt for years. I would have been happier on a Ramsey type board.
Ditto that. I had no significant debt before wandering in here, and now I'm another one of those guys with about 150% of my gross income owed to the card companies. That's part of the reason I started this thread. The idea of intentionally seeking out debt is still a pretty exotic concept.
And codename, your USAA stock loan, is that a margin loan? I'd be tempted to not allow it, since you are using it for the intended purpose, but I'll let it slide this time. And the home equity loan would be allowed if it's something you're using to fund other speculative endeavors. What's the deal with the 1% term loan? How can I get one of those?
tooshy
Frivolous Member
posted: Jul. 22, 2006 @ 11:25a
janwad said: When I found FW in 2005, we had 1 cc, 10k limit, no debt for years. I would have been happier on a Ramsey type board.
I slowly started collecting sign up bonuses and reward cards, then finally found the courage to do 20% discount gift cards. It's taken me 18 months to convince DH that we should do BTs. Between us, we'll have 86k at 0% for our first round. I think our total CL must be about 130k by now.
I'm expecting a hit on my score, but I shopped around for insurance first and we don't need jobs or loans.I was doing a bit of paying the mortgage with low interest cc offers before FW, but never to aggressively "invest" 0%. I still haven't crossed that barrier. Somehow having any kind of debt worries me and causes me to lose sleep, even if I have all that and more in savings. Right now I have about 37K @ 0% (I think I can trace that to Presidential savings, Ameritrade 10K, and Netbank promos so CDs, ibonds and tbills are not touched), and that is just a slow matriculation from MBNA billpay and a few short term offers. I don't think I would ever do an apporama, and would just prefer to watch everyone on the sidelines.... I'm way ahead of husband though who thinks I should stop tweaking period and just sighs and says whatever.
cameron2003
Senior Member - 2K
posted: Jul. 22, 2006 @ 11:26a
markkundinger said: janwad said: When I found FW in 2005, we had 1 cc, 10k limit, no debt for years. I would have been happier on a Ramsey type board.
Ditto that. I had no significant debt before wandering in here, and now I'm another one of those guys with about 150% of my gross income owed to the card companies. That's part of the reason I started this thread. The idea of intentionally seeking out debt is still a pretty exotic concept.
And codename, your USAA stock loan, is that a margin loan? I'd be tempted to not allow it, since you are using it for the intended purpose, but I'll let it slide this time. And the home equity loan would be allowed if it's something you're using to fund other speculative endeavors. What's the deal with the 1% term loan? How can I get one of those?
Mark I am like this too. My philosophy before was to throw away promo offers for cards and keep them all paid. Now I have about $70k in 0% offers, pretty much 90% utilization on those cards, but I have plenty of cards I never use. I envision myself paying off my HELOC and then maybe even continuing this, using it to pay for a new car and just plain reaping the benefits of guarenteed profit on the backs of companies dangling offers to people trying to get them to spend too much. My next AOR will be much more organized, and perhaps for more money.
codename47
Senior Member - 3K
posted: Jul. 22, 2006 @ 11:30a
Quick aside...My condolences for having walked into a Dave Ramsey board. I've heard some of his stuff, and while it is generally good info, and most people probably should shred their credit cards and live a cash lifestyle, if you aren't going to be a smacktard with it, cheap debt has its place. Not a bad guy, but I don't agree with everything he says.
As far as the USAA stock loan, no it is NOT margin. Agent 47, while having the privilege, typically doesn't indulge in that. Much to the horror of the Motley Fool and others, (I do a little freelance writing) I suggested once to people that a good way to avoid margin calls is to use credit cards, home equity lines of credit, etc...in lieu of margin. Of course this somehow got interpreted that I think every man, women, and child should get margined up to the hilt and go all in on any and every stock possible... This is obviously before I learned of stock secured loans...
It is a loan secured by my stocks, like a mortgage, but I can cash out without selling. 70% LTV, (depends lender to lender. I have seen everything from 50-90% LTV's offered at varying rates, mostly under 10%) 7.2% rate, which is a pretty good deal, considering most margin loans are 10% or higher. Margin calls are possible, but get this: The bank is more concerned with you repaying the loan than they are with punting you out of your shares! Wild, isn't it?
InterestedOnlooker said: codename47 said: on the stock message boards, some people think investing with low interest debt is crazy too. I guess all in all between all the conventional wisdom, I must be certifiably insane for either borrowing to invest from a credit card (as the stock types suggest), or borrowing at a low rate to invest in high dividend paying stocks, and should be locked away (as some FWers suggest). I'll take my chances.
I can relate somewhat as I recently was on what I thought was another general financial discussion forum where people were bemoaning how hard it is to close a CC account without getting a whiny CSR begging them to stay on with 0% deals. They were all bragging about how much they paid off & all the cards they were closing & moving to a debit card/cash only system for their family.
I made the fatal mistake of letting them know that some of these moves could actually hurt their credit scores & that 0% deals can enhance the quality of one's life if used appropriately.
Well, you'd have thought I'd just beat somebody's puppy dog with a stick! I was told that I must be a debt lover because all a FICO score is is an "I love debt" score---well, yes, I do love the RIGHT kind of debt, thankyouverymuch. I was also told that I should read more & learn why CCs are so bad for everyone & why everyone would be better off in this world if we stopped using credit---yeah, most corporations (which most people do rely on) would disappear since getting money from stockholders would be bad, right? Not to mention the fact that good FICOs can make or break an offer of employment & insurance. My DH's situation of not wanting to float thousands of $ for his company's expenses out of our cash bank account instead of a rewards card that gives us time to get his reimbursement checks back from said company received only a minor concession from one person that this circumstance may be working for us. Many of them also told me that the temptation to spend more on krap because of the access to credit would probably be too great for me because it was for them. Uh, no, I operate on the principle of moderation---I'm not an alcoholic, I don't have an eating disorder, & as one FW'er pointed out for himself, I too am not afraid of stabbing myself to death just because there are knives in my kitchen.
You've probably guessed by now, but if you were blissfully unaware of his followers otherwise, I'll say that I'd stumbled across an almost militant Dave Ramsey "Total Money Makeover" board without realizing it. Once I realized my faux pas, I typed "nevermind" & left. It wasn't worth it to me to start a war there. Those folks are entitled to their opinion just as I am to mine.
Oh well, whatever. I figure that all those who are not taking advantage of the benefits of good credit are just making it easier for me by not competing for the same pools of money available.
Yep...too your point, these are people that have no discipline. I use to be in line with this methodology (after getting in a little CC debt), but paid it down and learned how to use offers to my advantage. Notice they all blame the CC companies, but not themselves. Atleast Dave Ramsey advocates personal responsiblity....though he knows the majority of people don't have the discipline. Truly that is the sole basis for his financial program, and sadly, appropriate for many.
Anyway...my wife and I probably only owe about 35K (maybe 30% utlization) of OPM.
tooshy
Frivolous Member
posted: Jul. 22, 2006 @ 11:40a
sloth911 said: Me and my measly $15k at 0%. I feel ashamed. Maybe sloth and I could form a "hall of shame" club
tooshy said: sloth911 said: Me and my measly $15k at 0%. I feel ashamed. Maybe sloth and I could form a "hall of shame" club
Throw me in there too with my 13k BT (first time player)!
Edit: Well, I did buy $3,000 of appliances/furniture on zero interest, so I guess that counts a little (other people's money making interest for me).
Paymon
Senior Member
posted: Jul. 22, 2006 @ 12:56p
What do you guys with $300K+ do with all that cash? Just store it in online savings accts or CDs? Just curious what kind of failsafe investments there are to do with that much cash
agentgrey
Thrifty Member
posted: Jul. 22, 2006 @ 1:08p
tooshy said: sloth911 said: Me and my measly $15k at 0%. I feel ashamed. Maybe sloth and I could form a "hall of shame" club I'm right there with you folks.... I got started with BT investing last year when I stumbled onto FWF. I did a mini-AOR for BT offers and new account bonuses and took advantage of a couple of outstanding 0% offers. Hopefully when I pay them down and go in for a second round I'll pick up some higher CL's!
Currently at 0%: BoA $5,880 67% Citibank #1 $4,800 56% Chase $2,400 48% Discover $2,200 49%
Also, a 2.9% no fee, "for life" offer Associated Bank $3,390 45%
Overall utilization, 43%, (Not including $8.5K student loan from a couple of years back -- no interest/payments while I'm still in grad school. If this was included I'd be at 52%.)
Total amount: $18,760.
And to answer Paymon's question, my $$ is mostly in 1, 3, or 6-month T-Bills (howdy Engineer!), the rest is in HSBC/GMAC or being used to get bank account opening bonuses.
chipcollector
Senior Member
posted: Jul. 22, 2006 @ 1:29p
All @ O%:
MBNA $ 125k CHASE 26k DISCOVER 10k
Just paid off 55k CHASE. Just posted an inquiry elsewhere on this FORUM seeking advice on how to best deal with the (now inactive) Chase card.
Yes, America IS a great country!
kiasuchick
Senior Member
posted: Jul. 22, 2006 @ 3:45p
agentgrey said: tooshy said: sloth911 said: Me and my measly $15k at 0%. I feel ashamed. Maybe sloth and I could form a "hall of shame" club I'm right there with you folks.... I got started with BT investing last year when I stumbled onto FWF. I did a mini-AOR for BT offers and new account bonuses and took advantage of a couple of outstanding 0% offers. Hopefully when I pay them down and go in for a second round I'll pick up some higher CL's!
Currently at 0%: BoA $5,880 67% Citibank #1 $4,800 56% Chase $2,400 48% Discover $2,200 49%
Also, a 2.9% no fee, "for life" offer Associated Bank $3,390 45%
Overall utilization, 43%, (Not including $8.5K student loan from a couple of years back -- no interest/payments while I'm still in grad school. If this was included I'd be at 52%.)
Total amount: $18,760.
And to answer Paymon's question, my $$ is mostly in 1, 3, or 6-month T-Bills (howdy Engineer!), the rest is in HSBC/GMAC or being used to get bank account opening bonuses.
I'm in the small scale 0% BT bracket too.
$23k on 3 citicards and $5k at chase. $5-6k MBNA/Citi billpay float (trying to pay this off)
Money is in HSBC and GMAC earning enough to cover my student loan payment each month and allowing me to max out my 401k with a 25% total match.
chatterweb
Thrifty Member
posted: Jul. 22, 2006 @ 4:15p
Well, I am feeling better now, I was beating myself up for being $6300 in the hole- all 0% for another year!
SecondCor521
Senior Member
posted: Jul. 22, 2006 @ 6:59p
Just starting out, really.
$17,500 at 0% through 12/7/06 on a Chase Visa. 98% utilization on that card 9% of total lines available
Money is at AmboyDirect earning 5.05% APY.
Would like it to be higher but I don't really get good 0% offers anymore. Possibly because of the high utilization on this one card?
2Cor521
cak144
Senior Member
posted: Jul. 22, 2006 @ 7:59p
I currently have about $435k, mostly in 0% - a few 0.9% and 1.99% which were offered by existing cards.
Chase $143k Citi $69k CapOne $75k BofA/MBNA $79k Discover $11k Providian $25k Other $32k
I have been doing this for 4 years. The above reflect cards for myself, wife, and oldest child that I manage. Most of the cards continue to give me good offers on existing cards although I do open up a new Chase card every year or so and transfer credit lines. With Citi, I almost always have to open up new cards to get the 0% offers.
mariojm
Senior Member - 2K
posted: Jul. 22, 2006 @ 8:16p
Back in the savings bonds with credit card days I used to owe $5000 revolving debt which at that time was 100% utilization on my US-issued cards. (bad idea, didn't know foreign issued CC don't count)
Right now I'm carrying a balance for the first time, $500 @ 0% APR. Puts me at roughly 2% utilization. About to double that, soon. But in general, I feel better about using my own money.
Guess I'm also a candidate to be inducted into the hall of shame club ...
Paymon, There are no such things as failsafe investments. You either have to risk not beating inflation or risk losing some capital losses. I elect to risk capital losses in the market for the chance to have a 1000 BP spread at WORST on my money. That's good enough for me.
cameron2003
Senior Member - 2K
posted: Jul. 22, 2006 @ 9:19p
codename47 said: Paymon, There are no such things as failsafe investments. You either have to risk not beating inflation or risk losing some capital losses. I elect to risk capital losses in the market for the chance to have a 1000 BP spread at WORST on my money. That's good enough for me.
1000 BP spread = 1000 basis points? It sounds like you are advocating putting your balance transfer money in higher risk investments (equities?) rather than low risk investments that barely beat inflation? Is that your position?
catonis
Happy Member
posted: Jul. 22, 2006 @ 10:08p
I have about 43K at 0% using Chase, Citi, and Cap1. Most of the 0% cards are under 50% (heeding Dave Hansen's advice). Total utilization is about 20%.
Constantine
New Member
posted: Jul. 22, 2006 @ 10:29p
Currently running about $450,000 all at zero percent. Been doing this for years. Peaked out at over 800k at end of last year. I am running out of options as I have used just about every offer large and small out there. Recently I have been picking up small change on Shell's Gas offers, etc.
SUCKISSTAPLES said: Letsee, roughly right at the moment: Citi $80k+ Wamu/providian $25k+ MBNA $50k+ Chase $75k+ BofA, Principal, Discover, RBS about $50k combined so about $280k, all at 0%.
Nice yearly chunk of change.
Goal is to multiply this by 5-10 by next year through getting higher CLs and App-O-Rama.
5-10x in 1 year? Or 5-10%? Or $5-10K? If 5-10x that would truly be a crowning achievement.
Skipping 66 Messages...
GREY1988
Member
posted: Sep. 17, 2006 @ 2:04a
Any suggestions to get my numbers higher in terms of 0% should I cancel some cards or what? as you can see all of the offers are too high in %.
CARD DATE STARTED AMOUNT CREDIT LIMIT UTILIZATION CURRENT OFFERS RATES EXPIRES(APPROX)
B OF A VISA 5/24/2006 $18,000.00 $19,800.00 90.91% 1.99% 12/15/06 CHASE VISA 9/7/2006 $34,075.00 $35,000.00 97.36% 0.00% 02/01/07 ETRADE 5/17/2006 $6,415.00 $7,200.00 89.10% 0.00% 03/01/07 AM EX CR $0.00 $17,700.00 0.00% 08.99% TO PAID AM EX BLUE $0.00 $1,000.00 0.00% 10.99% TO PAID B OF A $0.00 $43,700.00 0.00% 3.99% PROMO B OF A $0.00 $5,900.00 0.00% 3.99% PROMO CHASE $0.00 $4,500.00 0.00% 0.00% PROMO CHASE $0.00 $4,000.00 0.00% 3.99% PROMO CITI $0.00 $5,100.00 0.00% 06.99% TO PAID CITI $0.00 $23,500.00 0.00% 06.99% TO PAID DISCOVER $0.00 $11,500.00 0.00% 06.99% TO PAID
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