On Mon, Apr 6, 2009 at 10:23 AM, J.J. Merrick <> wrote:

>
> I know the best way to avoid paying any APR?
>
> DON'T BORROW MONEY!!!!


I just finally paid off, in full, all of my credit card debt (most of which
I accumulated in college).  I can't believe the satisfaction that brought
me.  I now have one credit card that I pay off every month.  No credit card
debt == bliss.


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