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call their 800 number, they can usually tell you all the stuff and help you figure it out. at least Bank Of America is GREAT about it. They even call me when I go making lots of large purchaces.. when I moved I spent like $2g's in a day in multiple charges(I bought my pots and pans here, my plates there, some bedding in the mall...)so they suspended my card and called me to confirm it!
just call their 800 number 24/7
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