D ear Debt Adviser: I have consolidated all of our credit card debt onto two credit cards with APRs of 4.99 percent and 2.99 percent until it is paid off. My husband wants us to take out a loan with the bank so that we are making set monthly payments, even though the interest rate would be considerably higher, possibly around 11.25 percent.
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[Source: Yahoo! News Search Results for credit cards]
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