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Beginning September 1, 2016, Amex will no longer prorate annual fees when cancelling a card.

Here is their refund policy: Discover does not charge annual fees on any of its products at the moment.

By caring whether or not someone calls or texts you right away, you’re putting yourself in a weaker position.

But I have to do the lifting, while trying to balance on sand and water.

Remember what it’s like when a guy’s excited about you?

It’s not about finding out in week 1 whether he wants to live in the city or the country, or hoping he says “I love you” by week 4.

The RIGHT guy steps up to the plate and commits to you in the first couple of months.

They will refund your annual fee in full as long as you cancel within 30 days of the annual fee posting to your account.

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