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i would be skeptical of fold as they have continually changed rewards and migrating things like bill pay to an always changing platform can be a royal pain. same with direct deposit etc.
i personally only use them for gift cards
There changing rewards has been something they have had since day one. Sometimes they get a lot better even. Changing platforms is also super common given that the industry is consistently changing with pathways that once existed being shut down and Fold adapting.
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