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@John060675 wrote:Thanks for the advice.The one thing I am amazed at is how many times CC companies soft you during the month. AMEX softs me 2 or 3 times a month, Hooters at least 2 times, Cap 1 two times on average, and Juniper a couple times a month. The only one that has not yet is WaMu.I suppose all companies now are looking for that opportunity to stick it to you.