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This Aug. 11, 2019, photo shows a credit card in New Orleans. Credit cards can be useful and convenient payment tools. But beyond just getting points or miles and perks, they also have strategic or unexpected uses you may not have thought of. (AP Photo/Jenny Kane)

This Aug. 11, 2019, photo shows a credit card in New Orleans. Credit cards can be useful and convenient payment tools. But beyond just getting points or miles and perks, they also have strategic or unexpected uses you may not have thought of. (AP Photo/Jenny Kane)

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