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> you usually get some kind of reward

What kind of reward? I’ve always paid mine off each month and never gotten a reward on any of my ~15 cards.




cash back? airline points? I would say you must not be American but you said you have 15 cards so I don't know what to think.


I think it’s possibly your wording that had me confused.

> If you pay them off monthly

You get the things you mentioned whether or not you pay them off monthly or just pay the minimum and carry a balance. You just have to remain “in good standing”.




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