Tag: Cashback Benefits

Upgrade Your Credit Card: Benefits and Options

Did you know 1 in 5 Americans have a premium credit card with an annual fee over $95? These cards offer great rewards and perks but are they worth the cost? Upgrading your credit card can help match your financial needs and spending habits.

Credit card upgrades let you switch to a new card with your current issuer. You won’t need a hard credit check or a new account. This is a smart way to get better rewards, higher credit limits, and perks that fit your lifestyle.

Key Takeaways:

Credit card rewards, features, and annual fees can change over time, making regular evaluations important.
Upgrading your card can provide access to better rewards, benefits, and higher credit limits.
The upgrade process varies by issuer, and may require a soft credit check or no credit check at all.
Upgrading often means paying a higher annual fee, but the increased perks and earning power may be worth it.
Carefully review the new card’s features, fees, and impact on your credit score before initiating an upgrade.

Understanding the upgrade process and what you need can help you make the most of it. This way, you can take charge of your financial future.

What is a Credit Card Upgrade?

A credit card upgrade means moving to a new card from your current issuer. You keep your account history and credit score. You get better rewards, benefits, and terms. You can either increase your credit limit or switch to a new card type.

Raising Credit Limit vs. Switching Cards

You have two main choices for upgrading your credit card. You can ask for a credit limit increase on your current card. This can help your credit utilization ratio and might raise your credit score.

Or, you can switch to a different credit card product from your issuer. This lets you get better features, rewards, and benefits without starting a new account or a hard credit check.

Understanding Product Changes with Issuers

A product change is moving to a new card within the same issuer’s lineup. It’s usually easy and doesn’t require a hard credit check or a new account. Knowing about these options lets you upgrade your card. You can get better rewards, perks, and terms without hurting your credit score.

Reasons to Upgrade Your Credit Card

Upgrading your credit card can open up a world of benefits that can greatly improve your finances. Two main reasons to think about upgrading are getting a better rewards structure and more card benefits and perks.

Improved Rewards Structure

When you upgrade your credit card, you could get higher earning rates, bonus categories, and better ways to use your rewards. For instance, some upgraded cards offer 6% cash back at U.S. supermarkets or 4X Membership Rewards® points per dollar spent on purchases at restaurants worldwide. These rewards can make your everyday spending more valuable and help you earn points, miles, or cash back faster.

Better Card Benefits and Perks

Today’s credit cards often come with many benefits and perks that add a lot of value. Upgrading your card might give you access to things like travel credits, purchase protections, and exclusive experiences. These can make using your card better and might even make the annual fee worth it.

“Upgrading to a higher-tier card with more benefits, even without a bonus, could be beneficial in some cases.”

By looking at the benefits and perks of an upgraded card, you can see if it’s worth the change. This could help improve your financial health.

How to Upgrade Your Credit Card

Upgrading your credit card can improve your financial flexibility and give you special benefits. The credit card upgrade process starts with talking to your card issuer and negotiating for better terms.

Contacting Your Card Issuer

Start by contacting your card issuer, usually by calling the number on your card. You can ask about upgrading and see if there are cards that fit your spending and financial goals better.

Negotiating Better Terms

After looking at upgrade options, you can try to negotiate credit card terms with your issuer. You might ask for a higher credit limit, no annual fees, or lower interest rates. Issuers often offer these perks to keep you and move you to a premium card.

By going through the credit card upgrade process, you can get valuable perks, simplify your finances, and make your credit card work better for you.

“Upgrading your credit card can be a strategic move to enhance your financial flexibility and access exclusive benefits.”

Eligibility Requirements for Credit Card Upgrades

Upgrading your credit card requires meeting certain criteria set by the issuer. You need to have a good payment history, a high enough credit score, and keep your current card for about a year. These rules can change with each issuer.

Talking to your card provider is key to see if you qualify for an upgrade. Some will tell you when you can upgrade, while others need you to ask. It’s important to know what your issuer expects.

Secured Card Upgrades

Starting with a secured credit card? Upgrading to an unsecured card means showing you’re responsible with your payments. This builds your credit history and makes you eligible for better cards.

Impact on Credit Score

Upgrading your credit card usually doesn’t hurt your credit score. Unlike applying for a new card, which can lead to a hard credit check, upgrades don’t trigger these checks. So, your credit score is likely to stay the same.

But, think about the pros and cons of upgrading. Consider things like annual fees, rewards, and how it fits your financial plans. Make sure the upgrade is right for you.

Impact on Your Credit Score

Upgrading your credit card usually doesn’t hurt your credit score much. It often doesn’t trigger a hard credit inquiry, which can lower your score. Since you’re sticking with the same issuer, your credit history and limits stay the same.

Hard Credit Inquiries

But, a hard inquiry might be needed if the issuer checks your creditworthiness again. This could cause a small, temporary drop in your score. Keep an eye on your credit reports before and after the upgrade to catch any surprises.

Credit Utilization Ratio

Changes to your credit limit or credit utilization ratio from the upgrade might also affect your score. Keeping your credit utilization under 30% is key for a good score.

Credit Card	Annual Fee	Rewards Structure
Chase Sapphire Reserve®	$550	$300 travel credit, airport lounge access
Chase Sapphire Preferred®	$95	2x points on travel and dining
Chase Freedom Unlimited®	$0	1.5% cash back on all purchases

Upgrading your credit card usually doesn’t greatly affect your credit score. But, it’s important to watch your credit reports and utilization ratio. This helps you keep a good credit profile.

Evaluating the New Card’s Features

When looking at a credit card upgrade, it’s key to check the new card’s features and terms. Look at the credit card annual fee, APR range, rewards program, and sign-up bonuses. See how the new card compares to your current one in terms of benefits and costs.

Annual Fees and APRs

The annual fee of the new card is something to think about. Some cards offer benefits that make the fee worth it. But, make sure the card’s perks are worth the cost. Also, check the credit card APR range. This affects the interest you’ll pay if you carry a balance.

Rewards Programs and Sign-Up Bonuses

Look into the credit card rewards program. Check the earning rates, how you can redeem points, and any special bonuses. Think about if the rewards fit your spending habits and what you like. Also, look for sign-up bonuses that can give you more points or cash back when you first get the card.

By carefully looking at the new card’s features, you can make sure it meets your financial goals. This way, you get the most out of the upgrade, whether it’s better rewards, lower costs, or more card perks.

Handling Your Old Credit Card

Upgrading your credit card is exciting, bringing better rewards and premium benefits. But, don’t forget about your old card after the upgrade. Managing the switch from your old to new card is key.

Your old credit card account will likely be closed, and you’ll get a new card with a new number. You’ll need to update any automatic payments or subscriptions linked to the old card. Make sure to cancel any memberships or subscriptions you don’t use anymore to avoid extra charges.

To stop others from using your old card, you should safely destroy it. You can cut it into small pieces or follow your card issuer’s advice on how to dispose of it.

The credit card upgrade process usually doesn’t hurt your credit score with a hard inquiry. But, closing your old card might change your credit use ratio and credit history length. These are key parts of your credit score.

By handling the switch to your new card well, you can make the upgrade smooth and enjoy its benefits fully.

Benefit	Impact
Improved rewards and benefits	Upgraded cards often offer elevated rewards on popular spending categories and premium perks.
Potential for higher annual fees	Many upgraded cards come with higher annual fees, but the added benefits may justify the cost for frequent users.
Credit score considerations	Closing the old account could impact your credit utilization ratio and credit history length, but the upgrade process typically doesn’t result in a hard inquiry.

Knowing how to handle your old credit card after an upgrade helps you switch smoothly. This way, you can fully enjoy the perks of your new card.

credit card upgrade Pros and Cons

Upgrading your credit card can bring both good and bad points. On the plus side, you might get better rewards, more card benefits, and possibly higher credit limits. But, you could lose any welcome bonuses or special offers from a new account. Also, the new card might have a higher annual fee.

Also, upgrading usually doesn’t trigger a hard credit check. But, it’s key to know how it might affect your credit use and score. Most credit card companies let you upgrade within the same line, but you won’t get the usual sign-up bonuses.

Pros of Credit Card Upgrade	Cons of Credit Card Upgrade
Improved rewards structure Enhanced card benefits and perks Potentially higher credit limits	Forfeit of welcome bonuses or introductory offers Higher annual fees for the new card Potential impact on credit utilization and credit profile Typically no sign-up bonuses like new card applications

Experts often suggest applying for a new card for sign-up bonuses instead of upgrading. Sign-up bonuses can be worth over $600. Yet, upgrading might still be a good choice if it meets your financial goals and needs.

“Upgrading your credit card can be a strategic move, but it’s essential to weigh the pros and cons carefully before making a decision.” – Financial Expert

Comparing Upgrade Options Across Issuers

Looking into credit card upgrade options means comparing what different issuers offer. You should look at both branded and co-branded cards. Branded cards come from a single financial institution. Co-branded cards are made with a brand or merchant. Each card type has its own rewards, benefits, and rules that might affect your choice.

Branded vs. Co-Branded Cards

Understanding the differences between branded and co-branded cards helps you pick the best upgrade for you. For instance, American Express usually doesn’t do a hard credit check when you upgrade. They sometimes offer great upgrade bonuses too.

Co-branded cards like Delta SkyMiles or Marriott Bonvoy offer special perks for frequent travelers. Think about whether you prefer brand-specific rewards or more general rewards when choosing to upgrade.

“The key is to choose a card that aligns with your spending habits and financial goals, whether that’s maximizing cash back, earning travel rewards, or accessing premium benefits.”

By looking at all the upgrade options from various issuers and card types, you can pick the best one for your needs. This way, you get the most out of your credit card rewards and benefits.

Tips for a Successful Upgrade Process

Upgrading your credit card can bring you new benefits that fit your changing financial needs. To make the upgrade smooth and rewarding, follow these tips for credit card upgrade and credit card product change best practices:

Do your homework and compare different upgrade options to find the best match for your spending and financial goals.
Know the main differences between your current card and the new one to make a smart choice.
Talk to your card issuer and negotiate for more perks or better terms during the upgrade.
Change any automatic payments or billing to your new card to avoid any issues.
Keep an eye on your credit report and account before and after the upgrade to spot and fix any problems.

By using these tips, you can upgrade your credit card with confidence. You’ll get to enjoy special benefits like travel, shopping, and dining perks. This can make your banking better and improve your financial health.

It’s important to keep a good credit score during the upgrade. This affects your eligibility and the offers you get. Stay active and informed to make sure your credit card upgrade helps you reach your financial goals.

Conclusion

Upgrading your credit card can help you get more benefits and rewards. It’s important to know how to upgrade, what you need to qualify, and what the new card offers. This way, you can pick a card that fits your financial needs and how you spend money.

There are good and bad things to think about when upgrading. But, a successful upgrade can give you more rewards, better benefits, and more ways to manage money.

To make the most of upgrading, follow the best steps and talk to your card company. You might want to increase your credit limit, get more rewards, or enjoy special perks. Knowing about the changes can help you make a smart choice for your financial future.

Choosing to upgrade should depend on your financial goals and how you spend money. Think about how it might affect your credit score, fees, and other card features. This way, you can pick the best time and card for you.

By upgrading your credit card, you can find new ways to handle your money better. You’ll get the most out of a card that suits your lifestyle.

FAQ

What is a credit card upgrade?

Upgrading your credit card means two things: 1) Getting a higher credit limit on your current card, or 2) Switching to a new card from your current issuer. This process is called a “product change.” You stay with the same issuer but get a new card without opening a new account or a hard credit check.

What are the reasons to consider upgrading my credit card?

You might want to upgrade for two reasons: 1) Better rewards, like earning more points or cash back, and 2) More card benefits, such as travel credits or purchase protections.

How do I initiate a credit card upgrade?

Start by calling your card issuer, using the number on your card. Ask about upgrading and what cards might be a good fit for you. This is also a chance to ask for better terms, like a higher credit limit or no annual fees.

What are the eligibility requirements for upgrading my credit card?

Issuers have rules for upgrading your card. You usually need a good payment history, a certain credit score, and to have had your current card for at least a year. Each issuer has its own rules, so check with them about your situation.

How will a credit card upgrade affect my credit score?

Upgrading usually won’t hurt your credit score much because it doesn’t involve a hard credit check. You’re staying with the same issuer and keeping your account history. But, a hard check might be needed if your credit is re-evaluated, and changes to your credit limit could affect your score.

What should I consider when evaluating the new credit card features?

Think about how the new card fits your spending and financial needs. Look at the annual fee, interest rates, rewards, and any special offers.

What happens to my old credit card after the upgrade?

Your old card will close, and a new one will be sent to you. Make sure to update any automatic payments or subscriptions linked to the old card. Also, safely destroy the old card to prevent misuse.

What are the potential pros and cons of a credit card upgrade?

Upgrading can give you better rewards and benefits, and possibly higher limits. But, you might lose any welcome bonuses or special offers from new accounts. The new card might also have a higher annual fee. Remember, upgrading won’t usually trigger a hard credit check, but it could affect your credit use and score.

How can I compare upgrade options across different credit card issuers?

Look at different issuers and card types to find the best upgrade for you. Branded cards come from banks, while co-branded cards are with specific brands or merchants. Comparing these can help you pick the right upgrade for your spending and preferences.

What are some tips for a successful credit card upgrade process?

For a smooth upgrade, do the following: 1) Research and compare cards to find the right one for you, 2) Know how your current card’s benefits might change, 3) Talk to your issuer and try to get better terms, 4) Update any automatic payments, and 5) Keep an eye on your credit report and account activity before and after upgrading.

August 22, 2024

Unlock Top Credit Card Benefits Today

Did you know the average American household has over $6,000 in credit card debt? Yet, many overlook the value credit cards bring beyond just buying things. They offer welcome bonuses and rewards on everyday spending. This guide will show you how to get the most out of these benefits to boost your spending power and reach your financial goals.

Key Takeaways

Credit cards offer a wide range of valuable benefits beyond just basic purchasing power.
Unlocking credit card benefits can help you earn lucrative welcome bonuses, maximize rewards on everyday spending, and enjoy premium travel perks.
Understanding different types of credit card benefits, such as cashback offers, rewards programs, and annual credits, is key to maximizing your savings.
Carefully managing interest rates and fees, as well as leveraging additional cardholder perks, can further enhance the value of your credit cards.
By taking advantage of credit card benefits, you can significantly boost your financial wellbeing and achieve your financial goals.

The Importance of Understanding Credit Card Benefits

Credit cards can be powerful financial tools when used wisely. They offer many benefits beyond just buying things. Knowing the credit card benefits can help people use their cards better and choose the right one for their needs.

Definition of Credit Card Benefits

Credit card benefits are the extra perks that come with a card. These include earning rewards, getting statement credits, accessing special experiences, and having insurance coverage. Knowing what each card offers lets consumers pick the best card and spend wisely to enjoy these credit card perks.

Common Types of Credit Card Benefits

Rewards programs: Earning points, miles, or cash back on purchases
Welcome bonuses: Lucrative sign-up offers for new cardholders
Travel perks: Benefits like airline lounge access, hotel elite status, and rental car upgrades
Annual statement credits: Credits for travel, entertainment, or other purchases
Low interest rates and fee waivers: Introductory APR offers and no annual fees
Purchase protection and extended warranties: Safeguarding your purchases
Concierge services and exclusive experiences: Access to premium lifestyle benefits

By using these credit card benefits, consumers can improve their financial health and get more value from their cards.

“Approximately 60% of credit card holders choose credit cards for their convenience over cash or debit cards.”

Earn Lucrative Welcome Bonuses

Getting a new credit card can lead to big rewards. Many cards offer credit card welcome bonuses, sign-up bonuses, or new cardholder offers. These can be worth hundreds or even thousands of dollars, boosting your rewards.

To get the most from a credit card sign-up, look at the spending requirement. Make sure you can meet it without spending too much. For example, the Wells Fargo Active Cash® Card gives a $200 cash rewards bonus after spending $500 in the first 3 months. The Chase Sapphire Preferred® Card offers 60,000 bonus points for spending $4,000 in the same period.

Travel-focused cards often have bigger welcome bonuses. The Platinum Card® from American Express gives 80,000 Membership Rewards® Points after spending $8,000 in the first 6 months. It also offers various annual credits for travel. Cash back cards usually have lower spending thresholds, with bonuses from $150 to $200 for spending about $500.

Remember, credit card issuers may limit bonus earnings to prevent abuse. Always check the terms and conditions before applying. Yet, credit card welcome bonuses can greatly increase your rewards if you spend wisely.

“Sign-up bonuses typically range from $150 to $1,000, depending on the credit card type. The timeframe to earn a sign-up bonus is usually three to six months after card approval.”

Card	Bonus	Spending Requirement
Wells Fargo Active Cash® Card	$200 cash rewards	$500 in 3 months
Chase Sapphire Preferred® Card	60,000 bonus points	$4,000 in 3 months
Platinum Card® from American Express	80,000 Membership Rewards® Points	$8,000 in 6 months

Maximize Rewards on Everyday Spending

Using the right credit card rewards can change the game for your everyday purchases. Many cards give more rewards in certain areas like dining and travel. This means you can earn more credit card rewards for dining and credit card rewards for travel.

Bonus Categories for Dining and Travel

The American Express® Gold Card gives 4 Membership Rewards points for every dollar spent at restaurants worldwide and on U.S. supermarket purchases. The Chase Sapphire Preferred® Card also offers 2 points per dollar on travel and dining. It’s a great pick for those who want to make the most of bonus categories and rewards optimization.

Choosing the right card for your spending can greatly increase the value of your credit card rewards. If you travel a lot or like eating out, picking the right bonus categories can help you maximize credit card rewards. This way, you can enjoy more benefits.

“The key to maximizing credit card rewards is to use the right card for the right purchases. By carefully selecting cards that offer elevated rewards in your spending categories, you can easily boost the value of your everyday purchases.”

Knowing about the different credit card rewards programs and their bonus categories helps you make smart choices. This can lead to a more rewarding and smart way of living.

Take Advantage of Annual Credits

Smart credit card users know how to make the most of their card’s yearly benefits before the year ends. Many premium credit cards offer big annual statement credits. These credits can help pay off a big part of the card’s yearly fee, making the card more worth it.

The Amex Gold Card gives up to $120 in dining credits each year. The Platinum Card from American Express offers up to $200 in credits for booking hotels in advance. Using these credits helps cardholders get the best value from their premium cards.

Some cards also have semi-annual, quarterly, or monthly travel credits, entertainment credits, and dining credits. It’s important to keep track of these credit card annual credits and use them before they expire. This way, you can make the most of your card.

Card	Annual Fee	Annual Credits
The Platinum Card® from American Express	$695	Up to $200 airline fee credits, up to $200 hotel statement credits
Business Platinum Card® from American Express	$595	Up to $200 annual travel credits
Hilton Honors American Express Aspire Card	$450	Up to $250 annual resort credits

By understanding and using the different credit card annual credits, cardholders can get the most out of their premium cards. This helps offset a big part of the yearly fees.

“Failure to utilize calendar-year credit card perks by December 31 results in the benefits not carrying over to the next year.”

Enjoy Premium Travel Perks

For those who travel often, premium credit cards open doors to special benefits. These perks can make your trips more comfortable and rewarding. You get access to airport lounges, elite status with airlines and hotels, and more.

The Platinum Card from American Express is a great example. It gives you access to over 1,400 airport lounges around the world. This can change how you travel, offering a quiet place to relax away from the airport crowds. Plus, you get elite status with Hilton and Marriott, which means better rooms and late checkout.

Other top travel cards offer big sign-up bonuses, lots of travel credits, and even free Global Entry or TSA PreCheck. These perks can help pay for the higher annual fees, making these cards a smart choice for those who travel a lot.

Using credit card travel benefits lets you enjoy airport lounge access, airline elite status, hotel elite status, and rental car upgrades on your trips. This can make your travel more relaxing, rewarding, and memorable.

“Premium travel credit cards can transform your journey, providing a host of exclusive perks that elevate the overall experience.”

Whether you’re off on business or a vacation, the right credit card can change everything. By using these premium travel benefits, you can have a smooth and upgraded travel experience from start to finish.

credit card benefits

Credit cards give you more than just rewards for your purchases. They offer great benefits like welcome bonuses and travel perks. These can make your credit card more valuable. By using these benefits well, you can spend more and feel more secure.

Earn Generous Welcome Bonuses

Many credit cards give big sign-up bonuses to new users who spend a certain amount early on. These bonuses can be in points, miles, or cash. You can use them for rewards like statement credits, gift cards, or travel.

Maximize Rewards on Everyday Spending

Credit cards also give more rewards for spending in certain areas like dining and travel. Using your card for these areas can increase your rewards over time.

Enjoy Valuable Travel Perks

Premium credit cards offer special travel benefits. These include free airport lounge access, travel insurance, and elite status with hotels and car rental companies. These perks can make your travels better and give you peace of mind.

Credit Card Benefit	Description
Welcome Bonuses	Earn a windfall of points, miles, or cash upon meeting initial spending requirements.
Bonus Earning Categories	Earn elevated rewards rates on purchases in specific categories like dining and travel.
Travel Protections	Enjoy benefits like trip cancellation/interruption insurance, baggage delay coverage, and rental car collision damage waivers.
Statement Credits	Receive annual credits towards travel, streaming services, or other lifestyle expenses.

By using all the credit card benefits, you can get more value from your spending. Look at the options and pick a card that fits your needs and goals.

Manage Interest Rates and Fees

Understanding credit card interest rates and fees is as important as getting rewards and benefits. Credit card interest is shown as an annual percentage. It’s key to know the different APRs, like purchase APR, cash advance APR, and balance transfer APR. Variable-rate APRs can change with an index like the prime rate. Fixed-rate APRs might change due to late or missed payments.

Introductory APR Offers

Many credit cards have introductory APR or promotional rates for 12-18 months. These offers are great for big purchases or balance transfers. But, you must pay off your balance before the offer ends. If not, you could face big interest charges, which could cancel out your savings.

Annual Fee Considerations

Premium credit cards have higher annual fees but often offer more benefits. To see if the fee is worth it, do a cost-benefit analysis. Think about the travel credits, bonus rewards, and concierge services you might use. If the benefits are more than the fee, the card could be a smart choice. But, if you don’t use the perks, the fee might not be worth it. Make sure you’re getting the most from your credit card.

“Knowing how credit card interest works can help in minimizing interest charges and achieving financial stability.”

Leverage Additional Cardholder Perks

Many credit cards offer more than just rewards and travel perks. These credit card perks include things like purchase protection and extended warranty coverage. You might also get rental car insurance, lost luggage reimbursement, and roadside assistance. Knowing all about credit card benefits can help you use these valuable credit card protections when you need them.

Using these extra perks can make your credit card even more valuable. You get things like credit card insurance coverage and special access and discounts. Discovering all these benefits can turn your credit card into a powerful financial tool.

If you want to protect your buys, make travel smoother, or save more, check out your credit card’s benefits. Take the time to look at what your card offers. Start using these benefits fully to change the game.

Conclusion

Credit cards offer more than just a way to buy things. They come with great benefits like welcome bonuses, rewards programs, and travel perks. These benefits can really improve your financial life.

By knowing what benefits are out there and choosing the right cards for your spending, you can get a lot of rewards. This makes the most of credit card benefits.

Do you want to earn cash back, collect travel points, or enjoy special experiences? Credit card benefits can help you reach your financial goals. Using these benefits wisely lets you get the most from your daily spending. When picking the best credit card for rewards, knowing about these benefits is crucial.

It’s important to use credit cards wisely to get the most rewards and avoid high-interest debt and bad credit scores. Finding the right balance between earning rewards and being financially responsible is key. This way, you can fully benefit from your credit cards and improve your financial health.

FAQ

What are the most common types of credit card benefits?

Common credit card benefits include rewards programs, welcome bonuses, and travel perks. You also get annual statement credits, low interest rates, purchase protection, and exclusive experiences.

How can I maximize the value of a credit card’s welcome bonus?

To get the most from a welcome bonus, look at the spending requirement. Make sure you can hit it without spending too much.

How can I strategically use my credit card to earn the most rewards?

Use a card that gives more rewards in areas you spend a lot, like dining and travel. This way, you can boost your credit card rewards.

How can annual statement credits help offset the cost of a credit card’s annual fee?

Premium credit cards often give annual statement credits. You can use these for travel, dining, or entertainment. This can help cover a big part of the annual fee.

What kind of premium travel benefits can high-end credit cards offer?

High-end credit cards offer many travel perks. These include airport lounge access, elite airline and hotel status, free room upgrades, and special travel experiences.

How can I evaluate whether a credit card’s annual fee is worthwhile?

To see if a card’s annual fee is good value, compare the costs and benefits. Think about the perks and credits you might use.

What additional perks can credit cards offer beyond rewards and travel benefits?

Credit cards also offer extra perks like purchase protection and extended warranty coverage. You get rental car insurance, lost luggage reimbursement, and roadside assistance too. These can be very useful.

August 22, 2024