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I love this card. I shop at HomeGoods and Marshalls a lot. I just pay off the balance on my card each month and don't worry about the high interest rate and still enjoy the Rewards.
never had a single issue with this card, but all i see is complaints from disorganized, expensive shoppers. theres a reason this cards have what they have, to fish you in and get themselves extra money for your lack of organisation and balancing your check books! pay your bills and stop complaining that someone is charging you to much for using plastic money that wasnt yours to begin with!