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Got one, use it, set up direct debit with it so it is paid immediately. Not many perks that I have seen but you do get coupons with % off when statement is sent or vouchers for 50p etc off though I never have them on me. Also sent special offers. I think when you open your store card you get 10% off or it was 2 years ago which did help with initial outlay on items. Have found it useful if in there and just putting on the card. Not sure if it is difficult to close it although can't see why it would be??

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