loan,banking and credit
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Is it worth it to refinance a mortgage line of credit from 15% to 10%?. $700 closing costs, + credit increase.


Other credit cards would be transferred to this lower rate.

It depends on how much you owe at which rates, and how fast you're paying them off. If it costs you $700 to drop 5%, you would be ahead after just a year if you owed $700 / 0.05 = $700 * 20 = $14,000.
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