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Dude, they are credit cards... not Pokémon. Chill.
Or you all hating because you miss out on churning opportunities. Have CSR/Plat, got Uber because 4% CB on no fee card is a no brainier.
I don’t keep negative balance. Not sure where the hate is coming from? What’s APR? Why should I care?
It is people like you that attract banks to introduce credit cards and add meaning to APRs. I hope you know what that is.
4% back dining** ^^^