It’s getting harder to dodge those credit card promoters at the mall these days. They descend on me in hordes and they seem to have become a permanent fixture, only promoting different banks.

A couple of months back, I got talked into signing up for one of those free-for-life cards. After I went through the whole charade of filling up the forms, my application got rejected. Well, good! Not that I needed another card, I was just tempted by the discounts and redemptions it offered, that’s all.

Last weekend, they were promoting Balance Transfer Cards. There’s no way I’m going to waste a half-hour of my shopping time filling out that heap of forms again. If I wanted such a card, I would apply online.

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