 And same with the big cards. They're out of control. They're through the roof. I mean, almost $900 a month. That's like $11,000 a year. You'll blow out the high interest rate on your credit cards. You'll have a much lower rate, much lower rate on your refinancing, and you can deduct up to $10,000 on your taxes. It's a no-brainer, folks. These credit card interest rates are insane. Most people are carrying their balance from month to month for a number of years just to make ends meet.