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yep, and that's one reason we're going to cut up credit cards at year's end at Third Act

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That's not too bad. If I have 2 or 3 K as an average balance, that's way way less than the $125K you were using as an example. I had expected the credit card to score worse than a bank account, because the bank skims a bit from every business that takes my card. But I didn't know how to calculate how much worse.

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