Discover 0% Balance Transfer

I received notice that I have been approved for a Discover card with a 0% APR for 1 year, and that includes balance transfers. Good-bye Beneficial; hello Dicover. I'll be wiping out the LOC and paying off the Discover before the introductory rate expires. I calculated that over the course of a year I will save approximately $1200.00 in finance charges. That's no small potatoes.

I have also recently sent every single credit card company that we owe a letter requesting that they lower our interest rate since we have been making timely payments and paying more than the minimum payment. I'll let you know in furture posts how that turns out.