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Ross, when they told you that, you should have told them to canc. the card right then. Don't escrow your taxes and Ins cause then the mortgage company get the interest on your money. Your foolish to not pay your CC bills on time and in full assuming you have the $.
Tim - what interest rate did they pay you?
Botton line, if you develop discipline it can save you $. I have all the discipline and my wife as none. Good luck!
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