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Orman's card is a joke. It's fees are on par with most others of it's kind and it won't help the user repair credit. While Orman's mantra of being financially aware and disciplined are spot-on, she is only marginally more insightful than any other financial professional in the business. Only consumers who take the time to inderstand the financial products and services they are buying (really, it's not that difficult) are the ones that will do OK. Ignorance isn't bliss, it's stupid.
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