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We also have an AT&T Universal card that we never use.

We got it for a zero-perecent balance transfer a few years ago. It's long since been paid off, and we've never used it for any other transaction.

Back in November they offered a $20 credit as an incentive to use the card -- with the proviso that it had to be used before the next statement date.

Unfortunately, I neglected to take advantage of that. I don't carry the card with me -- in fact, it's in a file cabinet, still stuck to the original mailing page it came on!
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