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  • Utilizing a sign-up bonus to its fullest potential and to improve your financial circumstances is easier said than done. For instance, if you open a new bank account and get paid a cash sign-up bonus, you can use that money to pay off high-interest debt or start an emergency savings account. Comparably, if a credit card offers you a points-based welcome bonus, you can use those points to make travel reservations or exchange them for goods you would have otherwise bought with cash. Utilizing a sign-up bonus as a component of your overall financial plan is an additional use for it.
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