There's a little known fact that applies to thousands of people. I don't know what percentage (but I think it's true for me). They could have a free Christmas without winning any contests, without stealing anything, and without any catch. Find out what it is and see if it applies to you!

Credit Card Reward Points!

They rack up and rack up and you never use them. If this is true for you, do a little work to read the fine print and access your rewards and USE THEM!

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