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New Chump, if you paid your CB CashBack card each month in full (e.g. opening bal less pmts = Zero) then you would get a minimum of 0.5% cashbk on your new purchases for that month (not zero).
The best way to get you cashback amount up is to BT more than $6K @ 5.9%, thus you then qual for 4% cashback on any new purchases, provided you are not paying the card in full each month (e.g. your opening bal less pmts remains above $6K).
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