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I would definitely switch, it isn't hard and I've done it in the past just to get better terms or rewards several times.


But wouldn’t it affect your credit score?


Momentary dip. It recovers after a few months as long as you aren't doing anything else to mess up your score like not paying bills. I guess some people love those perfect credit scores but honestly anything over 750 is fine for most things even getting a mortgage.




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