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Sometimes AdFreak’s life seems to consist mostly of a never-ending succession of envelopes coming through the mail to us from Citibank, all with the words “LAST CHANCE” printed on them in big black letters, like it’s our final hope to be cured of some unspeakable financial disease.
The fact is—and actually, we get these envelopes from AT&T Universal Card, too, since they are all part of the same big, happy credit-card family—that it’s another one of those low-interest-rate offers giving us just one more opportunity to trade in our egregiously high interest rate for a lower one.
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