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I have a Habs CC through HSBC.

I haven't had any problems, and the Habs points add up and you can use them for various things.

I don't have enough yet, but I'm working on it. :)

Oh and BTW, the interest is something like 19%

THey told me that's their lowest interest on that type of card.

So I guess my only complaint would be it's high interest.

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