If payments are made by mail, then keeping two accounts could cost more than the $25.I'm a person driven by math. I will take the cheaper route. Now I understand some people need alternative approaches because it makes them feel good. But if that is your approach, then just say it and don't justify it will pseudo math. Credit card statements come with a nice convenient return envelop. Assuming a 50 cent stamp, that is 100 months of payments by mail before it exceeds the $25. 100 months is over 8 years of stamps.
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