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[quote=Anonymous]The same reasons lots of people do: they feel rich, like it's a windfall, little or no willpower, etc. I have looked into the 0% cards and there are only one or two that don't have some sort of fee associated with them. I wouldn't waste time looking into those. Plus you also have to remember to pay them off once the grace period ends, and that can be difficult for people who aren't great savers already. I would focus on the emergency fund and then pay back one card at a time, and see if you can cut even a small amount of spending. [/quote]
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