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So, if that be the case with you, I would say the most common misnomer about personal finances is the debt snowball approach.
DO NOT pay more than the minimum unless it is the minimum debt. Do not focus on interest rates! BTW, if your interest rates jumped by a factor of 2, then it sounds like there was default on other revolving credit accounts.
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Why do you think the law is written the way it is? For this very reason.