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{"ops":[{"insert":"Annie has received an offer in the mail to transfer her $4000 credit card balance to a ne provider. The offer is \u2018low rate and no fees. The rate offered is 4.99% p.a. compounded monthly for 6 months with no application fees or transaction fees. However, in the terms and conditions it says\n- after the 6month introductory period, the interest rate ill reverts to 18.6 p. a, which is a variable rate.\nThe transferred balance will be repaid first\nGovernment charges and a late payment fee may apply\nMinimum monthly repayments are required to be 3 of the outstanding loan amounts of $30, whichever is the greater\n\na)\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0what advice can you give Annie\nb)\u00a0\u00a0\u00a0\u00a0\u00a0why might Annie consider switching to a new provider?\n"}]}
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