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Just thought I'd share about my slow-stooze M&S credit card. I fairly quickly reached the £4k credit limit, and have since been making the minimum payments each month. However, to my delight I have discovered that I regularly get sent M&S vouchers simply because I have a debt on the card. I seem to get sent £9 in general vouchers every few months, and also some other vouchers that can be spent on specific things (e.g. £9 off if you spend £100 on clothes).

Well worth having.
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