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"Lots of consumers are costing themselves money by not understanding what their credit card does," says Nerd Wallet credit card expert Sean Mc Quay.

Now is an especially good time to revisit your options.

In the race to get customers, credit card issuing companies partner with various travel brands (or just simply offer their own card) that entice consumers with sign up bonuses, loyalty points, special discounts, and more.

Their desire to get you, the consumer, is really your gain.

The US is a credit card loving country and you’ve probably seen all the ads for bonuses if you sign up with this or that credit card be advertised by some celebrity.

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Kotak Silk Inspire Platinum Credit Card offers a unique feature on every purchase that you make and its credit card design is a work of art from Bharti Dayal, an exceptional painter from the heartland of Mithila. Insurance is provided on both the primary credit card and the add-on/supplementary credit cards.

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