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Actually this doesn't even matter because we shop at Target with our Debit RedCard (linked to checking) which gives me 5% off as it is.
So back on topic I guess we'll wait in the garden for a while and let things settle for the next 6 months, then we'll apply for her a BCE of her own to boost her AAoA up.
We don't want to do the BCP because it has an AF and we won't be able to use it enough to warrant the AF since we use the CSP predominately (to make it worth its own $95 AF).