I've been going along merrily paying these dratted credit cards.  Discover was at 12.24% and I was okay with that. I haven't wanted to do any balance transfers because I didn't want to mess with my credit score since we were supposed to refinance our mortgage at the end of 2009. That never happened because we are running too hard, I'm too tired and I can never get caught up on housework. I misplaced my Wells Fargo debit card at… Read the rest