 For the third time in the past two years, President Biden has tested positive for COVID. He's off the campaign trail for now. And money moves to make before the Fed lowers interest rates. Rather than wait for a small adjustment in the months ahead, you can be a lot more proactive when it comes to credit card debt. That includes switching to a zero interest balance transfer card or consolidating and paying off high interest credit card debt with a personal loan, which could have a much more competitive rate.