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    lengths to attract customers to them. While there is a limit to how low they can go on interest rates, in fact many now go as low as zero per cent for well over six months, card providers can also seek
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    ro per cent for well over six months, card providers can also seek to attract customers with loyalty and reward schemes. These basically reward you for every pound you spend on your credit card.

    Loyalty schemes come in all sorts of variations and can offer you air miles, discounts on petrol, points and cash. Cash is probably the be

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