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A person (male or female) who endeavours to move [credit card] balances around from one card to another (so-called Balance Transfers) [calculating] the cost to transfer so as to minimse [interest] payments. Rate Tarts will 'drop their knickers' to do this means that they will move the balance continually from one card to another, and have no loyality to any one card or company, ie they'll drop their knickers for anyone!
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