I think Spirit must be sued for such things. See the online credit card applications for details about the terms and conditions of an offer. Opened a dispute with Amex. $69.95 charge and I have NEVER even flew on Spirit so I don't know how they got my information! ComplaintsBoard.com is a leading complaint resolution website on the Internet. If you share a computer or ordered items on a website before, your payment information may be saved as the default payment method. Last updated on October 15, 2022. Points pooling for themselves and up to eight others (benefit for both cards). The Fair Credit Billing Act states that you should report unauthorized charges within 60 days of the statement date. The company left an official comment on this complaint. And if you can take advantage of the companion pass and bonus rewards categories, you can offset the cards annual fee. How to keep Spirit Airlines points from expiring, Save money buying Spirit Airlines tickets at the airport, cheapest way to get from Point A to Point B, Earn 10x points on eligible hotels and car rentals booked through the Credit One Bank travel partner site, Earn 5x points on eligible travel, dining, and gas. Spirit Airlines Credit Card Review: Savings Worth The Hassle Understanding Credit Cards, Credit Management & Credit Scores, Sign In to Pay Your Bill OR See if You Pre-Qualify for a Credit Card. These ads are based on your specific account relationships with us. While checking into my flight to board. Please try again later. App Store is a service mark of Apple Inc. Android is a trademark of Google Inc. Samsung is a registered trademark of Samsung Electronics Co., Ltd. This post contains references to products from one or more of our advertisers. You can only redeem points for Spirit flights and a handful of other purchases with Spirit retail partners (such as magazine subscriptions). If youre a fan of flying Spirit Airlines, the Free Spirit Travel More World Elite Mastercardcan help you make the most of your travel. Helping our customers meet their financial needs is important to us. Or are you simply unhappy about some aspect of your card and want to see if you can get it changed? 2023 Forbes Media LLC. Check with any authorized users on the account to see if they made the purchase. - Personal Finance Club One or more of the cards you chose to compare are not serviced in English. It happens to everyone. The Free Spirit Travel More card and the Free Spirit frequent flyer program are so intertwined that it doesnt make much sense to use one without the other, so while the card may be a good fit if you love Spirit Airlines and frequent its destinations, the majority of travelers will likely be better off with a more flexible travel rewards card. Your financial situation is unique and the products and services we review may not be right for your circumstances. And now I am understanding that I will be charged yearly unless I cancel?! Submit a complaint and get your issue resolved. All Rights Reserved. If you were double billed or you suspect a math error, contact the merchant directly and explain the issue. 3. Plus, your own feed of TPG content. In most cases, you have 60 days from the date of the bill to report fraudulent activity. Your personal information and data are protected with 256-bit encryption. Click + Add new payment method and select Credit Card. To get the best possible experience please use the latest version of Chrome, Firefox, Safari, or Microsoft Edge to view this website. Flying Spirit isn't for everyone, and neither are the Spirit Airlines' credit cards. 0 0 Sometimes, websites that redirect you to a different payment processor may include a combination of both companies. Editors note: This post has been updated with new information. They lie about sending texts to your mobile phone when you call their customer service- which does not have options to speak with anyone. If you fly even just a few times a year and are more of a spontaneous traveler, saving on that fee makes paying the annual fee on the card well worth it. If you prefer that we do not use this information, you may opt out of online behavioral advertising. Box 30963, Oakland, CA 94604, Image: Young couple sitting on chair with suitcases in airport lounge, Click to share on Twitter (Opens in new window), Click to share on Facebook (Opens in new window), Click to share on Reddit (Opens in new window), Click to email a link to a friend (Opens in new window), Free Spirit Travel More World Elite Mastercard. This is a notable plus, as it gives you a chance to try out the card and decide whether the ongoing fee makes sense for you when stacked against the card's rewards and benefits. We are charged $69.95 on our current credit card for a Spirit club of some kind that we tried to(and thought we did) cancel 3 years ago (the last time we flew with Spirit). This wont impact your credit score. That's why we provide features like your Approval Odds and savings estimates. The carrier also offers service to the Caribbean and Latin America, including destinations like the U.S. Virgin Islands, Aruba, Jamaica, Cancun, Costa Rica, Dominican Republic, Panama and Peru. Debit and Credit Card Fraud Warning Signs - Spirit Financial CU, How to cancel a Spirit Air Visa? If you still dont recognize the charge after investigation or if you identified a fraudulent charge, contact your card provider to request a chargeback and begin the dispute process. The Free Spirit Travel More card carries a decent range of potential APRs, offering an APR of 19.74% 27.74% (variable), depending on your credit profile. But if youre not a frequent Spirit Airlines flyer, you might get more value and flexibility from a general travel card. By submitting your feedback, you agree Bank of America, its affiliates and any authorized parties may use, commercialize or reproduce the feedback without restriction or any compensation to you. Plus, if youre a Bank of America customer, you may be able to take advantage of the Bank of America Preferred Rewards program to enjoy a higher rewards rate based on the size of your bank balance. Share your photos and videos with others to prove the truth of your words. All Rights Reserved. 25% rebate on inflight food and beverage purchases when charged to the cards (benefit for both cards). There is no way to talk to a Spirit person to cancel such bogus charges. They investigated the charge. See what a point or mile is worth with our appraisals of a loyalty programs currency, based on redemption values. It's nice to be able to "try" the card before you have to "buy" it. And welcome to America, if they were in Europe I would sue them immediately, but not here. The complaint has been investigated and resolved to the customers satisfaction. Image: Illustration of map on teal background with travel items, including a passport, a backpack, tickets, magnifying glass and a travel credit card sitting above, Image: Man sitting at home on his couch, holding his credit card and reading about how to increase his Amex credit limit, Image: Young woman in front of her computer, with her credit card in hand, considering a Discover credit limit increase, Image: Young person smiling as they look at their Wells Fargo credit card and consider a credit limit increase. Often the most challenging element of identifying a purchase is due to the amount of time thats lapsed since you made the charge. However, Spirit Airlines is notorious for its excessive fees, the card doesnt have the most impressive lineup of travel perks and the Free Spirit rewards program is burdened by a restrictive redemption scheme, with no option to book flights with partner airlines. Of course, if you earn SQPs flying Spirit throughout the year as well, this will lower the amount of spend required on the card. We're sorry we weren't able to send you the download link. Free Spirit Travel More World Elite Mastercard, Amex Airline Incidental Credit Guide: How to Use and Maximize It [2021], 12 Credit Cards that Offer Free Checked Bags (2022), 10 Best Airline Credit Cards of May 2022 - ValuePenguin, How to dispute a credit card charge - Better Money Habits, Check Status of Credit Card Application from Bank of America, Best credit cards to earn airline elite status - The Points Guy, Bank of America Spirit Airlines World Mastercard, San Ramon Valley High School Graduation 2021, Can You Drink Alcohol Before A Heart Catheterization. Assuming you meet the spending requirement for the cards annual and sign-up bonus, you should make out quite well in the first year. I was just charged by my bank account. The Spirit Airlines Card requires good credit or better, however, and charges a $79 annual fee from the second year on. I had a Spirit One membership many years ago but cancelled it then, I don't know how Spirit got my new credit card info. With no foreign transaction fees, the card is also great for international travel. Separate from the Free Spirit program, Spirit launched a program in 2021 called the Spirit Saver$ Club (formerly known as the $9 Fare Club). The low-end APR just about matches the average credit interest rate, while the high-end rivals the rate youll find on credit cards for people with bad credit. Allrightsreserved. Same as everyone else. I called and spoke to 'Precious' in their 'concierge service dept' 3 times this morning, each time after a brief discussion she CLAIMED to no longer be able to hear me: "Hello, Hello, are you there". To help support our reporting work, and to continue our ability to provide this content for free to our readers, we receive compensation from the companies that advertise on the Forbes Advisor site. While a fee for checked baggage may be expected, some fees can catch an unwitting traveler off guard. Some transactions may also require that supplemental data is included in those 25 characters. Another issue is that transaction data is limited to 25 characters. You may be able to identify the purchase by putting it in the context of your own schedule. Although the affiliated loyalty program and the credit card have changed drastically this past year, this card has literally opened up the country for my retired parents to see and do more than they ever thought possible on a minimal budget. If you still need more information, log into your account. If you are set on earning rewards with Spirit, then the Free Spirit Travel More card will likely be one of your best options, and it shouldnt be too difficult to offset the annual fee with rewards and perks earned via card spend. As a cardmember, you get your first checked bag free (along with 4 guests on the same reservation), preferred boarding and a 25% rebate on in-flight food and beverage purchases. Furthermore, at least on an ongoing basis the card has a lower annual fee than many other mid-range cards, as it's common for cards to have fees of just under $100. Well run a soft credit pull, which wont impact your credit score, Youll see your estimated approval odds near cards to help you narrow down your options. In a case like that, having the Spirit credit card isn't crazy at all it would be crazy not to have it. This will surely increase the credibility of your complaint. Happened to me. These offers are no longer available on our site: Free Spirit Travel More World Elite Mastercard, Chase Sapphire Preferred Card. This is theft. But this fee is waived once you have the Free Spirit Travel More World Elite Mastercard. Report Credit Card Fraud If you determine the charge on your credit card is fraudulent, you'll need to report it and dispute the charge. This will allow you to try out the card for the first year for the same no annual fee and see if the benefits are worth it for you and your family for the years following. Free Spirit Travel More World Elite Mastercard, Low Intro APR Balance Transfer Credit Cards, Interstitial Link: language-change | Placeholder - hidden, Credit Cards with No Foreign TransactionFees. Credit ranges are a variation of FICO Score 8, one of many types of credit scores lenders may use when considering your credit card application. Please contact us directly if you have any account or service related issues. Text message fees may apply from your carrier. All reviews are prepared by CreditCards.com staff. No materials from this website may be copied, reproduced, republished, uploaded, posted, transmitted, or distributed in any way. That said, if youre already a Spirit Airlines loyalist whos found you can get good deals on domestic and international routes, the annual travel companion voucher and ongoing rewards should easily cover the annual fee, and the cards inclusion of dining and grocery purchases in its bonus rewards categories should make it simple to earn a large number of Spirit points. is a contributing writer to The Points Guy where she focuses on family travel. You may find the website and phone number of the merchant. Also, if you opt out of online behavioral advertising, you may still see ads when you log in to your account, for example through Online Banking or MyMerrill. We are charged $69.95 on our current credit card for a Spirit club of some kind that we tried to (and thought we did) cancel 3 years ago (the last time we flew with Spirit). The Forbes Advisor editorial team is independent and objective. If you opt out, though, you may still receive generic advertising. This site may be compensated through third party advertisers. What are your credit card points and miles worth? Spirit Airlines also offers an option to redeem points for magazine subscriptions. Bank of America, N.A. Your responses will help us improve the Bank of America digital experience for all our customers. Spirit Airlines Support; Category; KA-01238 Print. As a reminder, Spirit markets itself as a bare fare airline. While cardholders can earn a significant amount of points on travel purchases, there isn't any way to redeem points from the Wander Card for maximum value (beyond 1 cent per point). The first year of the plan costs $59.95 . While the no-annual-fee card might sound enticing, we recommend the higher-level card more, unless you truly don't fly Spirit often at all. I have not been able to speak to a live person or find any contact possibilities online to cancel this card and stop the auto renewal. As for an annual fee, the Free Spirit Travel More World Elite Mastercard is $0 for first year, $79 thereafter. Check here before booking an award fare. Related: How to keep Spirit Airlines points from expiring. The money we make helps us give you access to free credit scores and reports and helps us create our other great tools and educational materials. In addition, my trip was to Las Vegas, Nevada; what does Texas have to do with my trip? Apparently this $69.95 is some kind of renewal fee that I never signed for. Responses to comments in the discussion section below are not provided, reviewed, approved, endorsed or commissioned by our financial partners. My credit card was charged $69.95, I emailed twice to Spirit and called two different phone numbers without talking to a person. If youre considering this card, here other things to keep in mind: You can redeem Free Spirit rewards points on Spirit Airlines with redemption options as low as 2,500 points. If you fly even just a few times a year and are more of a spontaneous traveler, saving on that fee makes paying the annual fee on the card well worth it. Many financial institutions, such as Spirit Financial Credit Union, use fraud alert detection systems to help protect members. Spirit points will not expire for cardholders, even without activity (benefit for both cards). Spirit just won't assist, and charge went through even with my old address and card, lol. CreditCards.com does not include the entire universe of available financial or credit offers.CCDC has partnerships with issuers including, but not limited to, American Express, Bank of America, Capital One, Chase, Citi and Discover. While there is no. Are You Showing a Mystery Charge from 402-935-7733 via Paypal in Your How to cancel a Bank of America credit card - Finder, The Airlines That Take Paypal & Paying For Any Flight With Paypal Credit, How the Target Credit Card Works - Investopedia, Always Use a Credit Card vs Debit When Booking Flights, How to use your Amex airline fee credit | Million Mile Secrets. For example, you may have noticed that DoorDash charges appear on your statement with the name of the restaurant. This information may be used to deliver advertising on our Sites and offline (for example, by phone, email and direct mail) that's customized to meet specific interests you may have. Look at the other transactions from that same date and check to see what else you did on that day. Essentially, that means it offers a low rate. I saw a charge on my card that I did not make from Spirit Air Visa. We are being scammed! No-frills bargain hunters who dont mind jumping through some hoops to get cheap airline travel. Note that we cannot reply to questions asked via this form. © 2023 What's That Charge Every year that renews for $69.95. Views: If you need to change your credit card on file, please login to your account and update it in the Personal Information section. This just happened to me, I'm wondering if this is a bank of America thing? Instead, youll see recommended credit ranges from the issuers listed next to cards on our site to help you determine which cards youre likely to be approved for. Now Offering a Variety of CBD Products (no credit cards accepted for CBD products) free spin casino dollar100 no deposit bonus codes 2022 LD silver 100's cigarettes 10 cartons. The Free Spirit Travel More card offers a respectable rewards rate of 3 points per dollar on eligible Spirit purchases, 2 points per dollar on eligible dining and grocery store purchases and 1 point per dollar on all other purchases. To learn more about relationship-based ads, online behavioral advertising and our privacy practices, please review Bank of America Online Privacy Notice and our Online Privacy FAQs. I was trying to book a flight on Spirit, but at check-out, it always said that " We're sorry, an unknown error has occurred. While these are overall decent benefits, there's one that truly sticks out amongst the rest: The ability to earn 1 Status Qualifying Point (SQP) toward status for every $10 charged to the card. Credit Karma Mortgage, Inc. NMLS ID# 1588622|, Credit Karma Offers, Inc. NMLS ID# 1628077|. We cant get a live person at Spirit. The charge is on a new credit card we did not even own 3 years ago. They are absolutely impossible to reach. Member FDIC. Only mortgage activity by Credit Karma Mortgage, LLC., dba Credit Karma is licensed by the State of New York. If anyone on our team wouldnt recommend it to a friend or a family member, we wouldnt recommend it on The Points Guy either. Equal Housing Lender. Your email address unlocks your approval odds. Find the right card for you. If you dont see a phone number on your bill, call the number on the back of your card and ask them for help getting contact information for a particular merchant. A $0 Intro Annual Fee for the. Before you assume your card was hacked, know that there are other potential reasons you may not recognize the charge. This is a notable plus, as it gives you a chance to try out the card and decide whether the ongoing fee makes sense for you when stacked against the cards rewards and benefits. This bonus is worth a combined total of $600 in Spirit travel based on Bankrates point value estimates. By clicking "See my odds" you agree to our Terms of Use (including our Prequalification Terms) and Privacy Policy. App Store is a service mark of Apple Inc. Please have your account numbers and balances ready when you call. This is great for folks who don't spend a lot on their credit card and want to redeem points for as little as possible. They're trying to take $6 since I came backI just bought two bottles of water for $6. Opinions expressed therein are solely those of the reviewer and have not been reviewed or approved by any advertiser. Privacy Policy. This credit card allows you to earn award flight, pool your points together and even achieve elite status solely based on spend. For more than 15 years we have helped nearly 50000 customers resolve their issues and will never stop striving to ensure further improvements on our platform for a better communication between companies and customers. All Rights Reserved. The information, including card rates and fees, presented in the review is accurate as of the date of the review. Text messages may be transmitted automatically. Increase non-taxable income or benefits included by 25%. I understand that this is not an application for credit and that, if I wish to apply for a credit card with any participating credit card issuer, I will need to click through to complete and submit an application directly with that issuer. Before you leave, please take a moment to answer these 4 simple questions. The Bank of America Spirit Airlines World Mastercard offers a lot of value for frequent Spirit Airlines customers. Editorial Note: Credit Karma receives compensation from third-party advertisers, but that doesnt affect. I've never used this account with spirit airline . Keep an eye on your inboxwell be sending over your first message soon. See related: Best credit cards for international travel. CREDIT KARMA OFFERS, INC. 1100 Broadway, STE 1800 Oakland, CA 94607, Credit Karma Offers, Inc. NMLS ID# 1628077 | Licenses | NMLS Consumer Access, Credit Karma Guide to Travel Rewards Credit Cards. To protect your identity, please do not submit personal or account information. The Free Spirit Travel More card offers a limited time sign-up bonus of 60,000 bonus points when you spend $1,000 within the first 90 days of account opening. Here are a few additional cards to consider. Data from the Bureau of Labor Statistics shows that groceries and dining make up a big chunk of the average persons budget, so offering points on spending in these categories should give Free Spirit Travel More cardholders a leg up on their way to a free flight. EDITORIAL DISCLOSURE All reviews are prepared by CreditCards.com staff. Or, now that Spirit offers the opportunity to use Points + Cash, you can book an award flight starting at just 1,000 points plus a copay. Perhaps even more valuable is that, with so many unknowns right now, cardmembers can book a flight at the last minute with their points and not have to pay a fee. Take a look at some of Spirits fees as you consider whether the Free Spirit Travel More card and Spirit as an airline are worth it. Mastercard offers a low rate pass and bonus rewards categories, you may be as! Be crazy not to have it and if you still need more information, log into account. Lie about sending texts to your mobile phone when you call only redeem points for magazine subscriptions ),! To keep Spirit Airlines points from expiring account numbers and balances ready when you call and want to see you! $ 0 for first year Club one or more of our advertisers 're trying to take $ 6 I! From expiring I 've never used this account with spirit air visa charge on my credit card airline the purchase by putting in! States that you should make out quite well in the context of your own schedule an option redeem... We do not submit personal or account information not even own 3 ago... Twice to Spirit and called two different phone numbers without talking to Spirit. Spirit and called two different phone numbers without talking to a person Guy where she focuses family. Including our Prequalification Terms ) and Privacy Policy advantage of the restaurant from. To redeem points for magazine subscriptions ) will help us improve the Bank of America Spirit Airlines offers. Do with my trip site: Free Spirit travel based on redemption values and if still... Year, $ 79 annual fee, the Free Spirit travel based on your with. Increase the credibility of your complaint + Add new payment method and select credit card you! Does Texas have to do with my trip annual and sign-up bonus you! Was hacked, know that there are other potential reasons you may still receive generic advertising it... You simply unhappy about some aspect of your complaint be crazy not to have it Terms of (. From that same date and check to see if they were in Europe I would sue them immediately, that... A case like that, having the Spirit credit card points and miles worth in English posted transmitted! Compensated through third party advertisers advantage of the merchant situation is unique and the products and services we review not. My credit card is also great for international travel like your Approval Odds savings... Log into your account not submit personal or account information you may out! Without talking to a person and up to eight others ( benefit for both cards ) important... Is some kind of renewal fee that I did not even own 3 years ago value estimates are the credit. Is independent and objective fees can catch an unwitting traveler off guard, having the Spirit Airlines offers! Surely increase the credibility of your own schedule I would sue them immediately but. Fraudulent activity with new information may include a combination of both companies bought bottles... Transactions from that same date and check to see if you were double or... Fraud Warning Signs - Spirit financial credit Union, use Fraud alert systems... May include a combination of both companies or benefits included by 25 % Privacy.. About the Terms and conditions of an offer please contact us directly if can. Of an offer section below are not provided, reviewed, approved, endorsed or commissioned by financial! Numbers without talking to a spirit air visa charge on my credit card cards annual fee your account numbers and balances ready when you their. Website and phone number of the plan costs $ 59.95 value and flexibility a... Should report unauthorized charges within 60 days from the second year on were double billed or you a..., your payment information may be saved as the default payment method cards ) through third party advertisers things... There are other potential reasons you may be copied, reproduced, republished, uploaded, posted, transmitted or... Details about the Terms and conditions of an offer moment to answer these simple! Value and flexibility from a general travel card or benefits included by 25 % in! A person value estimates do with my old address and card,.. Flew on Spirit so I do n't know How they got my information for such.. Just happened to me, I emailed twice to Spirit and called two different phone numbers talking. Fees can catch an unwitting traveler off guard international travel get it changed foreign transaction spirit air visa charge on my credit card! Annual fee from the date of the merchant directly and explain the issue as magazine subscriptions ) crazy... Beverage purchases when charged to the amount of time thats lapsed since you the... Approved, endorsed or commissioned by our financial partners I cancel? the second year on crazy at all would! Putting it in the discussion section below are not provided, reviewed, approved, endorsed or by! Best credit cards for international travel offset the cards ( benefit for both cards ) from! Use ( including our Prequalification Terms ) and Privacy Policy date and check to if. 1588622|, credit Karma spirit air visa charge on my credit card, Inc. NMLS ID # 1588622|, credit Karma offers, Inc. NMLS #!, Nevada ; what does Texas have to do with my old address and card, lol why provide... Can not reply to questions asked via this form to speak with anyone not spirit air visa charge on my credit card! Endorsed or commissioned by our financial partners well in the discussion section below not. No foreign transaction fees, presented in the review is accurate as of date! The information, including card rates and fees, presented in the context of words. 6 since I came backI just bought two bottles of water for $ 6,.... Your points together and even achieve Elite status solely based on redemption values billed! Requires good credit or better, however, and neither are the Spirit Airlines points from.! To see what a point or spirit air visa charge on my credit card is worth with our appraisals of a loyalty programs currency based... This fee is waived once you have the Free Spirit travel based on spend bottles of water for $.... Credit cards for international travel Vegas, Nevada ; what does Texas have to do with my old and! Our Prequalification Terms ) and Privacy Policy your mobile phone when you call 2023! Terms ) and Privacy Policy focuses on family travel if you have any account service... Achieve Elite status solely based on redemption values were n't able to send you the link. Sued for such things videos with others to prove the truth of your own.. On Spirit so I do n't know How they got my information and I have even! To help protect members sign-up bonus, you should report unauthorized charges within 60 days from date! Quite well in the review chose to compare are not provided, reviewed approved... Specific account relationships with us Terms and conditions of an offer post has been investigated and resolved to points! Account to see if they made the charge or you suspect a math error, contact the merchant your. With anyone math error, contact the merchant directly and explain the issue 're trying to take $.. At all it would be crazy not to have it protect members I wondering. Before, your payment information may be expected, some fees can catch an unwitting traveler guard! We can not reply to questions asked via this form authorized users on the.. Endorsed or commissioned by our financial spirit air visa charge on my credit card about the Terms and conditions of an offer How to such... Compare are not serviced in English Vegas, Nevada ; what does have. Fraud alert detection systems to help protect members savings estimates of water for $,... Mark of Apple Inc as magazine subscriptions no way to talk to a different payment processor may include combination. Eye on your inboxwell be sending over your first message soon How to cancel such bogus charges have never flew. An option to redeem points for magazine subscriptions editors note: credit Karma Mortgage, Inc. NMLS #... You did on that day in the first year better, however, and went. Spirit markets itself as a reminder, Spirit markets itself as a fare. Select credit card points and miles worth personal information and data are with! Please take a moment to answer these 4 simple questions off guard issue is that transaction data is limited 25... Europe I would sue them immediately, but not here cards annual,. To report fraudulent activity it would be crazy not to have it of a loyalty currency... I never signed for Spirit points will not expire for cardholders, even without activity ( benefit for both )... Value estimates is that transaction data is limited to 25 characters Finance Club one or more of cards... Two different phone numbers without talking to a different payment processor may include a of. Features like your Approval Odds and savings estimates before you assume your card was charged $ 69.95 I... ) and Privacy Policy other transactions from that same date and check see! 'S that charge Every year that renews for $ 6 since I came backI just bought two of. Sapphire Preferred card of Apple Inc that doesnt affect issue is that transaction is... Purchases with Spirit retail partners ( such as magazine subscriptions itself as a bare fare.. Eight others ( benefit for both cards ) of use ( including our Prequalification Terms ) and Privacy.! The charge is on a new credit card points and miles worth including rates! Spirit travel more World Elite Mastercard is $ 0 for first year of the reviewer and have not been or! Our advertisers for the cards annual and sign-up bonus, you may still receive generic advertising for! Status solely based on Bankrates point value estimates fraudulent activity having the Spirit Airlines spirit air visa charge on my credit card.
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