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Monday, December 22, 2014, 10:26 p.m.

Traveling patterns dictate card pick

Your choice of cards depends on how you earn the credit and how you prefer to use it. Overall, your most important choice is between cards that earn credit in airline frequent-flier programs and cards that earn credit -- whether it's called "miles" or points -- in bank programs. Next, you have to look at your own travel patterns. Let's look at a few scenarios.

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