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Thanks for your answers.

dt answered: Also, is the AT&T offer on a card you already have or would this require you to apply for a new card? If it is a new card, I would personally pass on the offer.

This is a card I have had for several years. Wouldn't that make it safer?

dt also stated: Are you comfortable living with the chance that your old auto loan of 9.9% that was BT'd to AT&T could rise to 19.99%?

If they state that it will be 3.9% for until the loan it paid off, and I pay on time, what it the possiblility that they will increase the APR? Can I fight them on it?

Thanks again,
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