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