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I have a credit card offering to balance transfer fees on a balance of $7551.50 which offer is the best one: offer one: 0% for

I have a credit card offering to balance transfer fees on a balance of $7551.50 which offer is the best one:

offer one: 0% for 12 months with a balance transfer fee of 3%

offer two: 4.99% for 15 months with a no balance transfer fee

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