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Question: Cash offer frm Credit card w/ 4.99% APR for life and HELOC w/ 8%. Which one should I choose for home improv.?

I am planning to do a little bit remodelling for our house, which will cost us around 10K. I have an offer from Credit card company for 4.99% checks for the life of the balanace and also another offer for home equity for prime rate 8% (since I only borrow the minimun, they can't give me their best rate).
Considering tax refund and FICO Score, which one should I take? If I take the credit card offer, will it hurt my FICO Score more than if I take the home equity? (my score is around 765).

Answer: I would do the home equity loan because your interest will be tax deductable.

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