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Re:Final – A credit card built for the 21st century by ufmace on Wednesday October 08, 2014 @03:38PM (#8428995)
patio11 had a great post on that about a year ago that you might be interested in:

https://news.ycombinator.com/item?id=7135833

Re:Final – A credit card built for the 21st century by toomuchtodo on Wednesday October 08, 2014 @03:56PM (#8429097)
Thanks for posting patio11's advice!