Adulting 101: always have more cash than credit card debt. Stop eating out so much, buying shit you don't need, and paying for your side ho's bad habits...like eating out and retail.
Man but that annual fee is a little tough to swallow for me. Luckily it isn't something I need to worry about since he's got it.
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I've heard that's one of the best for Asia, along with Asiana's mileage program as well!
End of conversation
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