I have one credit card, a Master Card. When I signed up for this card, I opted to receive “cash back.”
Logged onto to website the other day and had a $12 credit. Odd. Turns out, $67 “cash back” was deposited into my account. When I receive “cash back” – and I always forget when this will occur – it is like Christmas.
What a nice way to begin 2012 
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