lol yeah I got a kick out of that one!
I'll just add I do "all the above" BUT the only thing I do different is when the gold/silver one pops up right away I close it out and continue on with the main page. When it appears again at the end I do exactly what you said look at 4, 2 etc. I've also got a pretty good credit rate, but like some others said there are just some that refuse to credit for some. Brandarama really just doesn't like me!
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