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@johnsteam86 no harm to put to Flexible account as the returns are the same for all accounts. just remember the money for really emergency situation will do.

@nancycc It all comes to self discipline. if one is easily compulsive shopping, then is 100% better to stay away to these promos. don't even think about it. else, it's a good tool. Anyway, if anyone plans to purchase car or homes (big purchases requires bank loan), is better to check your...