For me, the right choice was leaving a portion of my savings intact while relying on low-interest and intro APR credit cards
. I probably didn't need to keep all $2,000 — keeping just $500 or $1,000 in an emergency fund and funneling the rest toward high-interest debt might make more sense for many.The credit card I was using at the time was the Choice Rewards credit card from First Tech Federal Credit Union, which has a relatively low interest rate.
. These credit cards come with a 0% introductory APR on balance transfers, meaning I could transfer any balance I racked up on my credit card to one of these balance transfer cards and pay off my debt without spending any money on interest, as long as I paid off the balance in full before the introductory period ended.
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