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But I must say, I did get caught in some of the 0%credit cardtransfers that ballooned and then mounted. I am paying on time, but each month a new notice arrives with an increased rate. EvenSearsis climbing, but I do hope to pay it off real soon.....He has got to lead the way tocredit cardreform now. All thecredit cardissuing banks are raising fees andfinancecharges ahead of the reforms of 2010,2011. That is too late for american consumers, Senator Dodd....