I was surprised today when I discovered that a choice of reward for my credit credit card loyalty program was credit toward shopping on Amazon.com. When I made the choice, I found out I had credit on the retailer’s site, available to be used immediately. Before I made this simple discovery, I thought I had to order merchandise or gift cards and wait an indeterminate amount of time for their arrival. After all, we’ve been trained that free doesn’t necessarily come in....

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