Yeah,I got to agree with Levi. To be hnest with you I am one for concrete clarity and I dont even read those 2 billing cycle questuions or any oif that stuff anymore. What I do know is 18% is > than 2.9% and dont se my credit cards at all. Dont worry about the struggle. We are in this together. Since I have prticipayted on this board many great ing have happened. I would advise nott using the cards.Sean
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