3 points per $1 spent on eligible dining, hotel and airfare, up to $2,500 in combined spend each calendar quarter; 1 point per $1 spent on all other purchases; Introductory Offer: 35,000 bonus points when you spend $5,000 in the first 3 months of account opening.Learn more about intro bonus points 1.; 15% anniversary point bonus every year; No Foreign Transaction Fees L. 107 56 signed into law October 26, 2001)) requires all financial organizations to obtain, verify and record information that identifies each person who opens an account. Not working with iOS12.2 This app won't work with iOS12.2. They called me on my phone. Subject says it.. Have a BMO Harris bank right next to where I live and opened a checking account as wanted a local bank really local outside my community so opened account and got 300 sign-up bonus for 4k in direct deposit easy enough. Access to experiences that are special, unique and priceless available in cities across the globe, exclusive for Mastercard cardholders. All cash back is redeemable in the form of a statement credit. Its simple and convenient. To help the government fight the funding of terrorism and money laundering activities, federal law (USA Patriot Act (Title III of Pub. Receive an anniversary points bonus equal to 15% of your annual eligible purchases. The information you provide in this form may be used to perform a credit check and verify your identity by using internal sources and third party vendors. . Make purchases with your smartphone using Apple Pay, Google Pay, Samsung Pay and BMO Harris Bank Masterpass. 1 point per $1 spent on all other eligible purchases, 3 points per $1 spent on eligible airfare, dining, and hotel purchases, 1 point per $1 spent on all other purchases. Security features include theft protection identity monitoring and resolution services, zero liability protection, and more. SIPC Step 1 Call or visit a branch to apply. If the requested information is not provided within 30 calendar days, the account will be subject to closure. Thanks and a have nice day. Member FDIC. This compensation may impact how and where products appear on this site (including, for example, the order in which they appear). * Here's how: Spend Category Qualifying Annual Spend Points Earned Introductory Bonus earned after $5,000 spent in first 3 months. CSIDs proprietary Internet surveillance technology that proactively detects the illegal trading and selling of personally identifiable information (PII) online. and its affiliates do not provide legal or tax advice to clients. There arent a whole lot of products offering BMO Harris Rewards points, and these products dont offer state-of-the-art travel perks or rewards. VantageScore; 792/797. From the Account summary screen, select your credit card, click on "Manage card" and "Activate your card". This information is not intended to be tax or legal advice. Offer only available for credit card applications received between November 6, 2018 and October 31, 2019. 2 Balance transfers available to Primary Cardholder and Co-Borrower only. If you believe you are a victim of Identity Theft, Identity Theft Resolution Services provides you with access to a number of services including, credit bureau notification and card replacement assistance, ID theft education and the opportunity to enroll in Identify Theft Alerts. To help the government fight the funding of terrorism and money laundering activities, federal law (USA Patriot Act (Title III of Pub. 3 As a Priority PassTM Select member, you agree to abide by the Priority Pass Conditions of Use, which can be found in the lounge directory included with your membership credentials or at www.prioritypass.com/en/Select. Many of the credit card offers that appear on this site are from credit card companies from which we receive financial compensation. Member FDIC. BMO Harris Rewards Premium Rewards Brochure (1,294KB - PDF), BMO Harris Rewards Premium Rewards Program Rules (365KB - PDF), Covers you and your family against accidental death or dismemberment if you purchase common carrier travel tickets with your eligible Mastercard card (up to $1M benefit).4, Reimburses you for the actual cost of repairing or replacing your checked or carry-on luggage if it is lost or damaged while traveling on a common carrier when you pay the entire cost of the tickets with your eligible Mastercard card.4. Enjoy exclusive, personal assistance with making dinner reservations, accessing event tickets, locating hard-to-find items, buying and delivering gifts, and coordinating business-related arrangements. Well everything that seems good is not really true. Free ATM transactions on the grounds through the entire Summerfest festival season for BMO Bank customers. Im gone!! To activate your credit card sign in to BMO Digital Banking. So before fill it out and hit submit, how is the bank? Many factors affect your FICO Scores and the interest rates you may receive. BMO Harris Bank also issues the Diners Club credit cards for culinary enthusiasts. BMO Wealth Management Premium Rewards Mastercard was independently collected by Upgraded Points and not provided nor reviewed by the issuer. They wanted me to provide my credit limit. The information provided is for informational purposes only and should not be considered financial, tax or legal advice. Earn 1 Club Rewards point for every eligible dollar charged. I got this card because they offered a $200 bonus if I spent $1000. Experian without boost: 785. This site is protected by reCAPTCHA and the Google Privacy Policy and Terms of Service apply. To activate your Platinum, Platinum Rewards and Cash Back card, call 1-855-825-9237 . Sign in to Online Account Access for your BMO Harris credit card or enroll here. Unfortunately, its impossible to tell in advance how much your points are worth without first having a credit card. First, youll still enjoy a solid welcome bonus, though it wont be as high as the premium cards bonus. For more information on our advertisers, see here. Frequent Flyer Miles: Redeem Club Rewards points for miles with numerous frequent flyer programs. If your BMO Harris Bank Mastercard credit card, debit card or PIN is lost or stolen, call the customer service number on the back of your card or 1-888-340-2265 immediately. If your account has been closed for any reason, you have 90 days to redeem your BMO Harris Rewards points, at which point your rewards will all expire. After 10 am, after speaking to mr.patel I have been trying to get a hold of someone in the bank just so that I can ask about opening up a credit card. Get answers to your questions about BMO Harris Bank Credit Cards below. We may also ask you to provide a copy of your certificate of incorporation (or similar document) or other identifying documents. I never had a problem with CITI for over 30 years, then BMO took over and attacked my credit instead of appreciating the huge business I was giving them. Market is nuts still i tell you. (together, "BMO"), today. Voicemail told me to call them. Frequent Guest Points: Use your points in participating hotel frequent guest programs. Please review the privacy and security policies of web sites reached through links from BMO web sites. Other important benefits include mobile phone protection for up to $600 at no additional cost, extended warranty, and lost or damaged luggage insurance. Receive 1 point per $1 spent on all other eligible purchases. Enjoy Airport Lounge Access, Car Rental Discounts, Club Cash Access and digital payments with your smartphone using Apple Pay, Android Pay, Samsung Pay and BMO Harris Bank Masterpass. However, the twist is you need at least CAD 1 million (just over $788,000) in investable assets to apply for this card. After that, a variable APR applies, currently 20.24% - 27.24% APR based on your creditworthiness* BMO Harris Financial Advisors, Inc. and BMO Harris Bank N.A. This card offers access to Priceless Cities, all the standard Mastercard security features, roadside assistance, MasterRental car rental coverage, and extended warranty. Your key to over 850 airport VIP lounges worldwide. BMO Harris Bank N.A. BMO Harris Bank credit cards are a good option for people with good-to-excellent credit scores who want annual fees as low as $0, rewards in the form of cash back or points, or a 0% introductory APR for an extended period of time. After a month still no money back. Pay only for purchases which you have authorized on your Mastercard credit card. When you open an account, we will ask for your name, address, date of birth and other information that will allow us to identify you. You can request to transfer balances from credit card accounts that you have with other credit card issuers. Priority Pass Select is your key to over 850 airport VIP lounges worldwide. Request a pre-qualification; Call us 1-888-482-3781; Mon - Thu 8 a.m. - 7 p.m. (CT) . Links to other web sites do not imply the endorsement or approval of such web sites. You should review your particular circumstances with your independent legal and tax advisors. Highly recommend for the experienced consumer. Editorial and user-generated content on this page is not provided, commissioned, reviewed, approved or otherwise endorsed by any issuer. Please whoever is reading this understand that bmo harris bank especially the Midlothian bank is out to just make money for itself and does not necessarily care about the fellingsif it's clients or customers. They would not issue a gift card or send a check. BMO Harris Bank N.A. ya surprisedme when i heard that when i was in the branch. NFCU Platinum 50k | NFCU More Rewards 30k | BofA Merrill+ 45k | BofA Premium Rewards 25k | Affinity FCU Cash Rewards 22.5K | CSP 40k | Chase Amazon Visa 20k | Chase Freedom Flex 5k | Chase IHG 1k | Chase Ritz 20k | AOD FCU 20k | FNBO Duck Unlimited 25k | PNC Cash Rewards 22.5k | Citi Premier 14k | Citi Custom Cash 31k | US Bank Alt Connect 20k | Union Bank Cash Rewards 15.5k | SECU 20k | Discover 20k | William Sonoma Visa 35k | Farm Bureau 18.5k | Synovus Cash Rewards 18.5k | Regions Cash 14k | TD Cash 6k | Penfed Cash Rewards 30k | Penfed Pathfinder 20k | 5/3rd Trio 10K | BMO Harris Cash 18.5k | Barclay's Red AA 22k | MFCU 20k | Amex Business Cash 30k | Amex Business Prime 20k | Amex Delta Business Platinum 10k | AMEX BBP 15k. BMO Harris Banks flagship credit card is the BMO Harris Bank Premium Rewards card, which offers the best rewards, benefits, and more. Concierge Service, featuring 24-hour assistance. Someone he called and it went to voicemail. Youll usually also enjoy a 0% introductory APR promotion on balance transfers (all balance transfers must be done within 90 days of account opening). They did not pick up my call. and are subject to bank and credit approval. Wait is over 2 hours now. They wouldnt credit my payments for over 2 weeks and charge me late payments, worst of all they report you to credit bureaus immediately even it is their mistake. $200 cash back bonus when you spend $2,000 in in the first 3 months of account opening. Do not subject yourself to this horrible bank. To activate your Platinum, Platinum Rewards and Cash Back card, call 1-855-825-9237 . If the requested information is not provided within 30 calendar days, the account will be subject to closure. BMO Harris Premier Services represents a combined service approach of BMO Harris Financial Advisors and BMO Harris Bank, each a part of BMO Financial Group. Hotel programs included Marriott Rewards Points, Starwood Preferred Guest Starpoints, Hilton Honors and many more. Upgraded Points, LLC uses reasonable efforts to maintain accurate information on the site and p. rior to applying for any credit card offers found on UpgradedPoints.com, all visitors should review other features of such credit cards including but not limited to interest rates, annual fees and transaction fees, and should determine the suitability of such credit cards considering their own individual financial position. From the Account summary screen, select your credit card, click on "Manage card" and "Activate your card". Member FDIC. This information cannot be used by any taxpayer for the purpose of avoiding tax penalties that may be imposed on the taxpayer. Featured Image Credit: This information is being used to support the promotion or marketing of the planning strategies discussed herein. We may also ask you to provide a copy of your driver's license or other identifying documents. Was told a supervisor would listen to all of my taped calls and call me back. I was told I had to forfeit this. This information is not intended to be tax or legal advice. For complete coverage terms and conditions call 1-800-MASTERCARD (1-800-627-8372) for assistance. Before submitting an application, always verify all terms and conditions with the offering institution. "Have you ever had a late payment or had a payment deferment with your mortgage?" Mastercard Travel Services a suite of benefits, amenities and upgrades, preferential treatment and premium travel offers from best-in-class travel companies. Make purchases with your smartphone using Apple Pay, Google PayTM, Samsung PayTM and BMO Harris Bank MasterpassTM. Links to other web sites do not imply the endorsement or approval of such web sites. The information regarding the BMO Harris Bank Premium Rewards Mastercard, BMO Harris Bank Platinum Rewards Mastercard, BMO Harris Bank Business Platinum Rewards Mastercard, and BMO Wealth Management Premium Rewards Mastercard was independently collected by Upgraded Points and not provided nor reviewed by the issuer. I didn't have time for that do called the next day. Earn 5% cash back on eligible streaming, cable TV and satellite services. You should review your particular circumstances with your independent legal and tax advisors. Stay away from this bank if you value your credit!!! Receive 1 point per $1 spent on all other eligible purchases. Third party web sites may have privacy and security policies different from BMO. PRIVACY NOTICE: When you visit this website we collect your browsing activities on our site and use that information to analyze and research improvements to the website, and to our products and services. This site does not include all credit card companies or all available credit card offers. Please refer to the Summary of Credit Terms for important information about rates and fees. Get $400 cell phone protection coverage when you charge your monthly wireless telephone bill to your card. For each business or entity that opens an account, we will ask for your name, address and other information that will allow us to identify the entity. BMO Harris Rewards points don't expire and can be redeemed for travel, name-brand merchandise, gift cards or statement credits. More details on software and accessibility are available at WebAIM.org. So when I asked for a credit card, I was told by him not to apply for one right now because my record stated that I still owed my previous bank $349 . No limit to the amount of points you can earn. Choose from one-of-a-kind experiences, special adventures, shopping and dining benefits, the best shows and sporting events, hotel upgrades and small perks that make your city adventures more special. Stop by a BMO Harris branch near you to complete your application. We may also ask you to provide a copy of your driver's license or other identifying documents. Also had to drive to a dealershipthat was a few hours away in Naples, FL as well and put down a CC as well for them to hold it for me. BMO Harris Bank Premium Rewards Mastercard . WalletHub makes it easy to compare credit card across many companies. 4 Certain terms, conditions, and exclusions apply. Great card. This information cannot be used by any taxpayer for the purpose of avoiding tax penalties that may be imposed on the taxpayer. This information is being used to support the promotion or marketing of the planning strategies discussed herein. Anyways was offered a SP cC at best APR of 14.x for rewards card and 12.x i believe for non rewards. The. 10% off at the team store inside Sears Centre Arena for all BMO customers, 10% off at the Herd Team Store located at the Menominmee Nation Arena for all BMO customers. 24/7 Personal Assistant ready to make reservations for dinner, golf, tennis or the spa. Question is banker says it is a SP if I accept, but i said I dont know about that lol. 9. Step 2 We'll help you determine the loan amount and a term that works best for your needs. .Ver bad management. For each business or entity that opens an account, we will ask for your name, address and other information that will allow us to identify the entity. See each offer for details. The Mission Lane Visa Credit Card is an option for beginners or second-chance seekers who want to skip a security deposit. Whether you skip the prequalification or not, you could apply directly for a mortgage with BMO Harris Bank either online or in person at a branch. This information is being used to support the promotion or marketing of the planning strategies discussed herein. Pays for covered damages (physical damage and theft) to a rental vehicle when your eligible Mastercard card is used to initiate and pay for the entire rental transaction and you decline optional collision/damage waiver offered by the rental company. This information is not intended to be tax or legal advice. For complete benefit information, refer to the Mastercard Guide to Benefits. A 15% discount on merchandise at all four Summerfest store locations during the festival when using a BMO Bank debit or credit card. With this card, youll also enjoy a Priority Pass Select membership with 2 complimentary visits to participating lounges every year, access to exclusive experiences through Priceless Cities, and no foreign transaction fees. The SP was already done when you applied for the bank account. This information is not intended to be tax or legal advice. You must be enrolled in the frequent guest program in order to redeem your points. Links to other web sites do not imply the endorsement or approval of such web sites. and are subject to bank and credit approval. I called and they were closed. Earn one Club Rewards point for every eligible dollar charged, with no limit to the amount of points you can earn. If the requested information is not provided within 30 calendar days, the account will be subject to closure. Unauthorized purchases are not your responsibility. This information is being used to support the promotion or marketing of the planning strategies discussed herein. and its affiliates do not provide legal or tax advice to clients. Please review the privacy and security policies of web sites reached through links from BMO web sites. Extended Warranty, Price Protection, Master RoadAssist and MasterRental are underwritten by New Hampshire Insurance Company, an AIG company. The BMO Harris Bank Platinum Rewards card is a step below the BMO Harris Bank Premium Rewards card, though it offers most of the same rewards and benefits all without an annual fee. BMO Harris Bank Premium Rewards Credit Card The points add up. Added Benefits like Priceless Cities & Apple Pay, Google Pay and Samsung Pay, Security Features: Mastercard ID Theft Protection Identity Monitoring & Resolution Services, Zero Liability and Identity Check. As one of the foremost experts in credit cards, over the past 4 years, he has amassed, The 15 Best Pool, Beach, Lake, and River Floats [2023], Alaska Airlines Launches MVP Gold 100K Status [New Highest Elite Tier], BMO Harris Bank Premium Rewards Mastercard, BMO Harris Bank Platinum Rewards Mastercard, BMO Harris Bank Business Platinum Rewards Mastercard, BMO Wealth Management Premium Rewards Mastercard, The information regarding the BMO Harris Bank Premium Rewards Mastercard, BMO Harris Bank Platinum Rewards Mastercard, BMO Harris Bank Business Platinum Rewards Mastercard, and. L. 107 56 signed into law October 26, 2001)) requires all financial organizations to obtain, verify and record information that identifies each person who opens an account. Late pays: Never. Learn more. Please let us know if you notice any differences. Receive 3 points per $1 spent on eligible dining, hotel, and airfare purchases, up to $2,500 in combined spend each calendar quarter. This bonus value is an estimated valuation. I cant even believe how terrible my experience was. For best experience, complete your application on a desktop, BMO Harris Bank Premium Rewards Mastercard, BMO Harris Bank Platinum Rewards Mastercard, Certificate of Deposit / Savings Secured Loans, BMOHarrisBankPremiumRewardsMastercard, BMO Harris Rewards Premium Rewards Brochure, BMO Harris Rewards Premium Rewards Program Rules, https://www.bmoharris.com/bmoharrisrewardsconsumer. Please enter a valid ZIP code. Utilization: 0% since no balances are carried. A pre-approval acts as a pre-screening and allows a customer to see if they meet the credit card's initial criteria without having to submit to a hard credit check. Notice to Customers . document.getElementById( "ak_js_1" ).setAttribute( "value", ( new Date() ).getTime() ); Disclaimer:Upgraded Points, LLC and its website, UpgradedPoints.com, provides information on credit cards, reward programs, travel information and ancillary information concerning travel and credit cards. All Rights Reserved. Many of the credit card offers that appear on this site are from credit card companies from which we receive financial compensation. Its easy to earn and redeem points for travel, merchandise and gift cards. Banking products and services are subject to bank and credit approval. Easy to do. Every qualifying purchase counts. You can also call to activate. Earn and redeem them whenever you want as long as you have your card. See Guide to Benefits for additional information. BMO Harris Bank N.A. Additionally, the redemption options are exceedingly simple with no opportunity to make use of travel partners or the like. So I accepted the advice from mr.patel and walked away. As an added benefit, receive 2 complimentary visits to participating lounges. Activate your Platinum, Platinum Rewards and Cash Back card: Activate your Premium Rewards or Premier Services Premium Rewards card: BMO Harris Bank Platinum Rewards Mastercard, BMO Harris Bank Premium Rewards Mastercard. and its affiliates do not provide legal or tax advice to clients. This information is being used to support the promotion or marketing of the planning strategies discussed herein. If the requested information is not provided within 30 calendar days, the account will be subject to closure. Third party web sites may have privacy and security policies different from BMO. Refer to the Mastercard Guide to Benefits for more information. As a BMO customer, you can enjoy many privileges at events sponsored by BMO. Today is Friday. The information you provide in this form may be used to perform a credit check and verify your identity by using internal sources and third party vendors. Member Excepted all over the world. 0% for 15 months|Transfer Fee: 4% (min $10), 0% for 12 months|Transfer Fee: 4% (min $10), 0% (V) for 12 months|Transfer Fee: 4% (min $10), 0% for 15 months from account opening on qualifying balance transfers|Transfer Fee: 3% intro for 120 days, then up to 5% (min $5). Banking products and services are subject to bank and credit approval. 5% Cable/internet/satellite & Streaming, 3% on Gas and Groceries. Purchase Assurance Coverage, Extended Warranty Coverage and MasterAssist. At WalletHub we try to present a wide array of offers, but our offers do not represent all financial services companies or products. Yes, you can use Walmart gift cards at walmart.com and samsclub.com. 35,000 Dining/Airfare/Hotel $7,500 22,500 All Other $22,500 22,500 Subtotal $30,000 80,000 Anniversary Bonus2 (no cap) 4,500 Grand Total $30,000 84,500 . Terms apply to offers below. Twitter/Instagram: RJ_FinancialLinksQuicken Loans - $500 back after closing purchase or refinance quickenloans.com/l2/wham?qls=RFR_socrfrff.0123456789&rockre. Third party web sites may have privacy and security policies different from BMO. I told him closest one was 8 hours drive away. We may also ask you to provide a copy of your certificate of incorporation (or similar document) or other identifying documents. Check the information is accurate and submit your application. After that, a variable APR applies, currently 15.99% - 23.99%, based on your creditworthiness. Some of these may include an exclusive entrance, discounts on tickets, merchandise and much more. I emailed the required documents back to them and made a call to have a manager verify my documents so I would be able to receive my promotion and use the credit card. Apply now . Copyright 2001-document.write(new Date().getFullYear()) Fair Isaac Corporation. Third party web sites may have privacy and security policies different from BMO. bought a new car from MBFS and best tier rate the offered was 6.99(crazy rate for their best tier!) Mr.patel says that he cannot do anything about the checque being deposited online and that I would have to wait for the funds for five days that is till Wednesday until I receive it. Visit a branch near you Call 1-888-340-2265 Gift cards are not FDIC insured. If the requested information is not provided within 30 calendar days, the account will be subject to closure. Explore your options. The BMO Harris Bank Cash Back Mastercard's rental car insurance only works if you deny the coverage offered by the rental company. 0% Intro APR for 12 months on Balance Transfers requested within 90 days of account opening. (together, "BMO"), today announced it has received all regulatory approvals required to complete its acquisition of Bank of the West from BNP Paribas (XPAR: BNP). Banking products and services are subject to bank and credit approval. pursuant to a license issued by Mastercard International Incorporated. More protection with every purchase at chip-enabled terminals. Save for anything from that luxury vacation youve been dreaming about to the big ticket item on your wish list. If the bank is really concerned about me they would get back to me and I will post about the bank getting back to me as well.i have shared my phone number and email address I. Additionally, youll earn points according to the same rewards structure as the BMO Harris Bank Premium Rewards card, only without the quarterly earnings cap: Youll also earn a 20% anniversary points bonus every year at your anniversary. Further information is available in our FICO Data Privacy Policy. Travel Benefits: MasterRental with Collision Damage Waiver, Mastercard Road Assistance, Lost or Damaged Luggage reimbursement and more. Securities, investment advisory services and insurance products are offered through BMO Harris Financial Advisors, Inc. See our Advertiser Disclosurefor more details. Member FDIC. You should review your particular circumstances with your independent legal and tax advisors. We may also ask you to provide a copy of your driver's license or other identifying documents. BMO Harris Bank N.A. Current cardholders call the number on the back of your card. Member FDIC. Furthermore, you can redeem your points once youve earned them in a variety of ways. TORONTO and CHICAGO, Jan. 17, 2023 /CNW/ - BMO Financial Group (TSX: BMO) (NYSE: BMO), and its subsidiaries BMO Financial Corp. and BMO Harris Bank N.A. I accidentally, using the app, paid my bill twice. I am closing out my BMO credit card and had $8.91 in rewards. Redeem your points for World-class merchandise, Gift & eGift Certificates, Self-Booking Travel Tool, and Tailored Travel Credit. Do Not Sell or Share My Personal Information. BMO Harris is also putting in a lot of ATMs in Southwest Florida including Costco and opened up one branch in Florida. Offer is good for 30 days for said apr/cl it has been about a week already. The information you provide in this form may be used to perform a credit check and verify your identity by using internal sources and third party vendors. BMO Harris took over my Diners club card which I had since 1988 and totally destroyed my account and credit. Why should I go through this stress when I want to open an account. Your key to over 850 airport VIP lounges worldwide. While points and cash back dont expire, any accrued points or cash back will be forfeited upon Account closure. After that, a variable APR applies, currently 15.99% - 23.99%, based on your creditworthiness.2. One lesser-known fact is that BMO Harris Bank is actually owned by the Bank of Montreal, a Canadian financial institution. You must also use your card to pay for the entire rental to be covered for: Certain vehicles are not covered, and other limitations and terms apply as well. Securities and insurance products offered are: NOT FDIC INSURED NOT BANK GUARANTEED NOT A DEPOSIT MAY LOSE VALUE. Lots of great perks and offers, Dont miss out. BMO Harris Bank N.A. For each business or entity that opens an account, we will ask for your name, address and other information that will allow us to identify the entity. Final Thoughts Overall, the BMO Harris Rewards program isn't terribly exciting. 5/24; I'm over from taking a sub. Member FDIC. Your web browser (Internet Explorer) is out of date and no longer supported. Was very frustrated. It said estimated 1 hour wait. This information cannot be used by any taxpayer for the purpose of avoiding tax penalties that may be imposed on the taxpayer. Horrible Experience I spoke to a rep and they needed to verify me. Banking products and services are subject to bank and credit approval. The bank manager Patel does not even want to revieve my call. The information you provide in this form may be used to perform a credit check and verify your identity by using internal sources and third party vendors. Very unhappy. When you go to initally use card they will flag you and leave you on hold for 20 minutes while attempting to make purchase.
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