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@itsmeheathermarie That's fair - if you have a system that works for you, that's all that matters. To make sure I'm being clear, I'm not recommending you pay less to your credit cards - just to distribute it differently. That said, I understand how important it can be to do something...

@itsmeheathermarie Thanks for the update! Didn't read your previous post, but why are you paying above minimum on your 0% cards? What are you referring to with cards, EFG?