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Card issuers are permitted to mail you an application or a credit card reviews solicitation for a or to ask you by phone whether you want to receive a card and to send you one if you say yes.
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Payments, credits, or new purchases made during the current billing period are not taken into account. Some creditors also exclude unpaid finance charges in computing this balance. If you do not understand how the balance on your accountis computed, askthe card issuer.
