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I highly recommend you read this. I recently applied for the PayPal 2 Mastercard for no foreign transaction fees and got rejected. 1,000 in combined purchases each quarter. 15 to 18 variable. Plus you earn unlimited 3x points on travel and dining making it one of the best travel credit cards. Additionally, most will have minimum monthly payments of you carry a balance from one month to the next. Non-parallelisable tasks are bottlenecks, because no further analysis can even be started until they are complete.

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