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I took some suggestions in a previous thread. Since my primary card is an American Express earning us an effective 2.3% cash back, there was no point in me getting the Fidelity Amex as our secondary. Our secondary card is used at areas where Amex is not accepted. Also, I don't like to hold many cards and rotate them. I prefer simplicity over maximum benefits. Due to this, I went with the Visa Signature, which is 1.5% CB on the first $15k per year, and 2.0% thereafter. Applied Saturday, and got a phone call from them today. They wanted to ask me my income. I gave them a conservative number due to my income being heavily influenced by OT and GI Bill right now. They offered me a $15k CL, which I took.


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