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However, it took a further decade for the banking industry and the technology specialists to agree on a universal magnetic strip until the credit card as we know it was born. modifications have been much slower, partly because people are worried about change, but also because switching over the 600million credit cards in circulation across the country is no small task.In France, for example, credit card fraud fell a massive 80 per cent following its introduction. But a small group of credit card makers are determined to change the way Americans spend their cash.

Learning a new skill, connecting with and focusing on a creative project, will deepen your self-awareness, develop your problem-solving skills, build your brain power with new neural pathways and reward you with a sense of satisfaction at having created something new.

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Citibank released the new 2G card, which has a programmable magnetic strip and buttons on the front for users to choose to use it as a credit card or to spend reward points.

A trial is currently ongoing and, if successful, it could roll out across the country.

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