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Another piece of the fine print tells me that as of November 1, any cash back earned will be forfeited if my account is inactive for 18 months (up from 36 months). Hmm. Put this together with Discover's requirement that cash back can only be redeemed in even $20.00 amounts, and it's likely that I give up some change if I get mad at the complexity and stop using the card. Let me think about this.

Man, talk about adding insult to an already craptastic cashback scheme. I'll be exercising your Option #2 on my (non-gas) Discover Card. When I get the inevitable "you're not using your Discover card, what can we do to make you love us again?" call, I'll make sure to let them know that Citibank gets all my luv, and why.
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