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Before I didn't keep a lot of points in my bank. I know the more points you have in there the higher your interest payment will be. I really just didn't care. Then I thought, 42 points a day isn't a lot, especially since I keep missing my payment. I know when it's going to be but I've been busy and haven't been able to be on TCS at the time of payment. So I just put 20,000 points in the bank. That only makes my payment 101 points a day, but that's better than 42.