| 31. | Issuers are beginning to charge consumers a fee to transfer balances to their new low-rate card.
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| 32. | Mercado and Schue ask for a rate card.
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| 33. | While advertisers try to nudge Conde Nast off its rate card, they say such efforts are futile.
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| 34. | The group says a typical revolver should skip the rebate search and go with a low-interest-rate card.
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| 35. | Consider transferring your balances to a lower-rate card so that you'll have one bill to pay off.
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| 36. | _Pay off your high-interest rate cards first.
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| 37. | But a truly low-rate card, like the one from Wachovia, beats Mellon's basic card no matter what.
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| 38. | Rates on a rate card are merely the starting place for negotiations, people in the industry say.
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| 39. | Consider transferring your balance to lower-interest-rate cards.
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| 40. | _Consider transferring your balance to lower-interest-rate cards.
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