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yeah my visa and Master is Capital one platium and Credit One and Visa for Orchard bank and im going to dump it all lol....hate those cards......i dont know why i apply that at first....i just had no experience about credit stuff at all before i lead to this forum and some other......so i guess i kinda know some about credit game ;-) and maybe if i do apply for some card im would very consider about term rewards and most of their lil thing because all those card i had above they trick me on their stuck limit card with high annual fees plus no rewards and limit never increase ;-(