What’s Up With All These $400 Annual Fee Credit Cards — & Should I Get One?

Here's what's behind the elite credit card surge — and how to decide if you should sign up for one.

[Disclosure: Cards from our partners are mentioned below.]

A $1,500 signup bonus. Five times the points at your favorite hotel chain. Up to $200 in annual Uber credits … on top of a $200 annual credit for airline fees. VIP gifts delivered directly to your door.

Chances are, at least one of these credit card offers (or an equally flashy one) has caught your eye in recent months. Elite credit cards — perk-laden plastic touting major travel rewards and super-swanky privileges — are getting a lot of press these days. But if you’ve paid attention to the fine news print, you’ve likely noticed these cards have something else in common: a hefty annual fee, usually at least $400 … or more. And while mega-miles, generous airport lounge access and complimentary hotel room upgrades certainly have mass appeal, that yearly price tag isn’t for everybody.

Here’s what’s behind the elite credit card surge — and how to decide if you should sign up for one.

What’s an Elite Credit Card? 

Elite credit cards, also known as premium, premier or luxury credit cards, offer a wide range of tempting benefits. The details vary from card to card, but there are a few categories that tend to be a focus.

  • Earned Points: Most elite credit cards earn points redeemable for rewards such as travel credits, gift cards and cash back. These cards often earn one point per dollar spent on most purchases and multiple points per dollar spent on certain spending categories, typically related to travel, like dining or airfare. Frequently, there are big signup bonuses (think tens of thousands of points) for meeting certain spending requirements or adding authorized users (though that’ll usually cost an annual fee, too).
  • Travel Perks: Perks for the frequent traveler can include hundreds of dollars in annual travel credits and reimbursements, airport lounge access, hotel upgrades and even VIP treatment at hotel properties and car rental agencies.
  • Concierge Services: Many elite credit cards offer 24/7 concierge services that can help members book travel, get event tickets and even shop for rare merchandise.
  • VIP Experiences: Select cards provide access to exclusive experiences like dining, fashion or sporting events available only to cardholders.
  • Made of Metal: Premium plastic is passé. Elite credit cards are now coming in metal, giving them a distinct “plunk” factor.

Plastic with these kinds of perks isn’t exactly new. Premium travel credit cards geared to frequent fliers (or big spenders) have been on the market for years, but the majority of plunky products were reserved for the rich and famous — and you needed an invite to apply. (See American Express’ near-mythical Centurion Card, a perennial celebrity wallet-stuffer made of anodized titanium, laden with perks and carrying a $7,500 initiation fee/$2,500 annual fee.) The new wave of elite credit cards may not be as VIP as the still-existent invitation-only cards, but their perks are certainly eye-popping — and, $400-plus annual fees aside, anyone can apply.

Open to the Public 

These days, it seems like there are more elite credit cards on the market than you can shake a stick at.

Chalk the boom up to two major factors, said Richard Crone, CEO of Crone Consulting LLC, an independent advisory company that specializes in payments and advises some of the biggest players in the financial sector.

First, there was the Durbin Amendment, part of the Dodd-Frank Act passed in 2010 as a response to the conditions that led to the 2008 recession. This amendment capped the amount debit card issuers could charge merchants in interchange fees (also known as swipe fees) for every transaction.

But “these regulations were not applied to credit card transactions,” Crone said. “The focus was then shifted to credit,” with financial institutions throwing considerable weight behind designing and marketing credit cards that could extract more revenue in swipe fees.

Second, issuers saw a big opportunity in millennials, who have been wary of credit and preferred debit cards following the recession. Credit card use is still low among millennials, but that attitude may slowly be changing as the economy rebounds.

“They’re entering prime purchase years, and so issuers took notice and fine-tuned promotions and cards to create packages that attracted millennials,” Crone said — and noted that this demographic loves perceived deals and will pay high rates to get them.

These factors combined caused the elite credit card market to heat up in several ways.

New Players Emerged

The Chase Sapphire Reserve (full review right here) caused a big splash last year when it launched with a massive signup bonus (worth $1,500 in travel booked through Chase Ultimate Rewards), annual travel credits and a metal design. Despite the $450 annual fee, the new card was so popular Chase initially ran out of the metal to manufacture it.

“Conventional wisdom has been that only high-spend travelers would invest in a premium card,” Eric Lindeen, credit card industry expert and vice president of Marketing at ID Analytics, said. “The success of the Chase Sapphire [Reserve] card came as a surprise … The most important lesson is there are more consumers willing to spend $500 on a card than anyone expected, as long as there is value to justify the spend.”

A Chase spokesperson said the bank saw a gap in the premium credit card category, specifically for modern travelers that needed flexibility in how they earned and redeemed rewards. Half of the initial applicants for the Chase Sapphire Reserve were millennials, who, according to Chase, tend to value experiences over things and appreciate a card with flexibility.

Reimagined Premium Offerings

Even well-established premium cards like Luxury Card’s MasterCard Black Card have seen recent redesigns. In early 2016, Luxury Card added the Gold Card and Titanium Card to their Luxury Card portfolio. The new cards serve as higher-tier and lower-tier alternatives, respectively, to the flagship product. (The Black Card has a $495 annual fee and offers rewards, concierge services, surprise gifts, VIP treatment at many hotel properties and other luxury perks.)

The additions show there’s faith in the potential for a greater customer base.

“Our MasterCard Black Card has been very successful, and so we launched two additional tiers,” Marina Kissam, vice president of customer experience at Luxury Card, said. “We were able to construct benefits that effectively segmented the luxury experience into tiers.”

Those tiers potentially open the Luxury Card up to a wider range of cardholders.

Expanded Benefits

Issuers long in the luxury market have also sweetened their deals, adding new perks and expanding existing benefits.

The Platinum Card from American Express is the most notable example. Back in October, the issuer added five times the points on airfare booked directly with airlines or through its travel portal in addition to the one point per dollar they earn on all other purchases. And in late March, the Platinum Card (full review here) underwent a more dramatic makeover.

Cardholders now earn five times the points on hotels and airfare booked through AmexTravel.com or directly with an airline carrier (they still earn one point per dollar elsewhere). The issuer also increased airport lounge access, added a Global Dining program, expanded their VIP By Invitation Only Program and, for the cherry on top, added up to $200 in annual Uber credits ($15 per month, plus a $20 bonus in December). It also increased the card’s annual fee from $450 to $550.

According to American Express, the modifications to the Platinum’s benefits were a response to the changing preferences of their members. Of course, it’s worth noting the changes come at a time of increased market pressure.

What’s Next? 

While it may be too early to tell, its possible a premium credit card arms race is unfolding, and consumers may be able to pick from an even greater variety of options going forward. There are a few possible trends we could see in coming years, experts say.

New card offerings will continue to pop up, whether in an attempt to disrupt the industry or simply to grab some market share.

“It’s fairly easy to stand up new card products, so I expect to see a continuing flow,” Lindeen said. “Many will be look-a-likes that fade away, but some will resonate. We definitely won’t see the market settle down anytime soon … We may see banks and issuers with smaller card volumes introduce a luxury card to increase the appeal of their branded cards and defend against national brands.”

In fact, U.S. Bank just launched its own premium travel credit card — the Altitude Reserve Visa Infinite — touting a 50,000 point signup bonus (if you spend $4,500 in your first 90 days), $325 in annual statement credits and a $400 annual fee.

“We introduced U.S. Bank Altitude Reserve in response to customer feedback and the evolving marketplace for premium reward cards,” Bob Daly, senior vice president of Retail Payment Solutions at U.S. Bank, said in a statement.

A noteworthy caveat? The card, made of metal, is only available to U.S. Bank customers. (You have to have an “eligible consumer U.S. Bank account relationship” for a minimum of 35 days prior to submitting an application, per the bank’s website.)

When it comes to expanding benefits, card issuers are just getting started, experts say, and the market will continue to see expanded and more unique benefits. These perks could come in many forms, but they’ll likely strike a balance between providing value to the consumer and profit to the issuer.

“What’s in play now is attracting first-time credit users. So what would appear to be expensive bounties [is] market acquisition,” Crone said. “There’s a lot of wiggle room for more benefits to come.”

The challenge will be creating benefits that don’t eat into the profitability of the card. Card issuers may also have to move beyond massive signup bonuses, which encourages a lot of upfront demand but could result in declining activity after the first year.

Right on Target

To capture niche markets and to further differentiate themselves from the competition, issuers may need to innovate by designing cards that appeal to highly specific buyer profiles and provide custom experiences.

“There is a commoditization of luxury cards, so differentiating for smaller segments will become more critical,” Lindeen said. “Benefits will shift to local benefits, like Uber, spa, winery, brewery and dining credits. These are areas where vendors will be willing to cost-share the benefit and different consumers will find the offer appealing. Unique benefits with specific appeal will be increasingly important.”

Luxury Card also believes in the value of specificity, and has been focusing on custom experiences in a different way. Kissam believes their customer base is motivated in part by custom experiences and one-on-one service, and notes that their concierge generates high levels of engagement.

Bottomline: Card providers will likely move to demonstrate value that is highly specific to a consumer’s needs.

So Should I Get an Elite Credit Card?

First things first: To land a premium card, you’ll likely need excellent credit, so if your scores are less than stellar, hold off on filling out that application. (You can see where your credit stands by viewing two of your credit scores, along with tips for what you can do to improve on them, for free on Credit.com.)

Keep in mind, these are not credit cards for people prone to carrying a balance. You’ll just wind up losing precious points, miles or credits to interest.

Now, if you can afford the annual fee and find a card that provides a return on your investment, an elite credit card could make a good addition to your wallet. The value of many premium credit cards can be supercharged by frequent use of benefits and exploitation of the card’s quirks — and may even exceed the hefty annual fee.

But you’ll have to look forward: Picking a card with a big signup bonus can help mitigate much of the cost the first year, but will you travel or spend enough the second year to recoup those dollars?

How Can I Find the Best Elite Credit Card for Me?

If you do decide an elite credit card is worth your while, be sure read card agreements closely to find the one that’s best for you.

Compare benefits to see which card provides the greatest potential value. Look at the flashy perks and the more standard policies and programs, like price protection or trip cancellation insurance. And, even if you’re not known to carry a balance, be sure to compare costs, like annual fees, annual percentage rates and other charges. (A big item to note: foreign transaction fees, which are waived by the better travel credit cards on the market.)

It’s also important to choose a card that offers benefits you’ll frequently use, as that’s the best way to ensure value. For instance, if you often stay at Ritz-Carlton properties, the Ritz Carlton credit card from Chase may provide the best return. If you’re a frequent traveler with no loyalties to specific airlines or hotels, a flexible elite credit card, like the Citi Prestige, might be appropriate. Picking a card that fits your lifestyle will help you get the most bang for your buck. [Full Disclosure: Citibank advertises on Credit.com, but that results in no preferential editorial treatment.]

Finally, if you’re on the fence, see if a prospective card provider will sweeten their offer.

“Card issuers are banking on the fact that people won’t use the benefits,” said Crone, but notes that some are able to take advantage by frequently using the benefits and negotiating better terms. “Don’t simply follow the script … it’s all negotiable.”

And, if you determine that an elite credit card isn’t right for you, don’t sweat it. There are plenty of fee-free credit cards out there that can help you rack up rewards. (You can find our favorite cash back credit cards right here.)

At publishing time, the MasterCard Black, MasterCard Gold, MasterCard Titanium, Platinum Card from American Express and Citi Prestige credit cards are offered through Credit.com product pages, and Credit.com is compensated if our users apply and ultimately sign up for these cards. However, this relationship does not result in any preferential editorial treatment. This content is not provided by the card issuer(s). Any opinions expressed are those of Credit.com alone, and have not been reviewed, approved or otherwise endorsed by the issuer(s).

Note: It’s important to remember that interest rates, fees and terms for credit cards, loans and other financial products frequently change. As a result, rates, fees and terms for credit cards, loans and other financial products cited in these articles may have changed since the date of publication. Please be sure to verify current rates, fees and terms with credit card issuers, banks or other financial institutions directly.

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4 Credit Cards That Will Make You Feel Like a Millionaire

credit-cards-like-a-millionaire

When most people think about how the rich and famous travel, they probably picture first-class flights and penthouse suites. While this is usually true, that lifestyle doesn’t have to be strictly reserved for the one-percenters. By having the right piece of plastic in your wallet, you, too, could feel like a millionaire on your next vacation.

Keep in mind, a lot of these premium credit cards do come with a price — in the form of a high annual fee. That fee could be recouped via rewards and other benefits, depending on how you spend, but it’s important to do a cost-benefit analysis to determine if a particular credit card is right for you. It’s also important to note that rewards credit cards are best-served to those who don’t carry a balance, since your points can easily be lost to interest. Finally, anyone considering a new credit card should probably check their credit before applying since your credit scores will determine what kind of offers you will qualify for. (You can view two of your credit scores, updated every 14 days, for free on Credit.com.)

Here are four different cards for you to consider that could leave you feeling like a millionaire.

1. Chase Sapphire Reserve

Released earlier this year, the Chase Sapphire Reserve card has quickly become the “cool” credit card to have in your wallet. The card offers a signup bonus of 100,000 Ultimate Reward points (the equivalent of $1,500 when you redeem them through the bank’s travel portal) once you spend $4,000 in the first three months. That’s enough points to put you near the front of the plane on many different airlines.

In addition to a mega-signup bonus, the Chase Sapphire Reserve card has a very generous reward program. You’ll earn 3x the Chase Ultimate Reward points on restaurant and travel purchases and 1x on all other purchases.

If you want to really feel like a millionaire when you are traveling, then you will love that this card will also give you access to over 900 different airport lounges with a complimentary Priority Pass membership. Forgot about spending your layover sitting in cramped airport seats, now you can drink a cocktail while relaxing in a comfortable seating.

This card does come with $450 annual fee, but you will receive a $300 annual travel credit. Unlike some elite credit cards, this benefit can be used with more than just airlines. It can also be used on any purchases that Chase codes as a travel expense. The card carries an annual percentage rate (APR) between 16.24% and 23.24%, depending on your creditworthiness.

2. Platinum Card From American Express

Earning a lot of credit card points is nice, but what really makes someone feel exclusive, are the luxury benefits that come with the card. The Platinum card from American Express (see full review here) offers a concierge service, which will serve as your very own personal assistant. Looking to grab a reservation at a highly sought after restaurant? Want to experience private, invitation-only events, like the Kentucky Derby or a movie premier in an exotic location? You can do that as a Platinum cardholder.

In addition to these elite perks, you will be able to earn 40,000 American Express Membership Rewards points once you sign up and spend $3,000 within the first three months. When you use your card for travel purchases, you will earn 5x the Membership Rewards points. For all other purchases, you will earn 1x the points. Cardholders will receive a complimentary upgrade to Starwood Preferred Guest Gold status, as well as Hilton HHonors Gold. You will also have access to the American Express Fine Hotels and Resorts. When you book your hotel through this program, you can receive some great perks, including room upgrades, late checkout, daily breakfast for two, and a unique gift at each property that could be a $100 dining credit or a complimentary massage for two.

The annual fee is $450, but you will receive a $100 credit for either Global Entry or TSA Pre-Check and each calendar year you will receive a $200 airline credit. As a charge card, you’re expected to pay your balance off in full each month, so there’s no purchase APR.

3. American Express Delta Reserve Credit Card

If you travel frequently and want to improve your chances at being an airline elite, then the Delta Reserve Credit Card from American Express will give you a leg up. After you make your first purchase with the card, you will receive 10,000 Delta SkyMiles and 10,000 Medallion Qualifying Miles (MQM). Then each calendar year you will receive an additional 15,000 Delta SkyMiles and 15,000 MQM for each $30,000 you spend on your card.

When you become a Delta Medallion member, you will receive some great benefits, like complimentary upgrades to first class and upgrades for your travel companions when they are flying on a revenue ticket. In addition to Medallion benefits, the card will also provide you with priority boarding, your first checked bag free, Delta Sky Club access, and no foreign transaction fees. There is a $450 annual fee. The card carries a variable APR between 15.99% to 24.99%.

4. Ritz-Carlton Rewards Credit Card

For a long time, Ritz-Carlton hotels have been known to be some of the more elegant places to stay around the world. When you sign up for the Ritz-Carlton Rewards credit card, you will have the opportunity to experience that elegance first-hand. You will receive three complimentary nights at any category 1-4 Ritz-Carlton after spending $5,000 in the first three months of being a cardholder. In addition, you will receive 10,000 bonus points when you add an authorized user and they make a purchase in the same three-month period.

As a cardholder, you will be able to upgrade to Club level three times per year when you are staying for seven or more nights. Anytime you stay for two or more nights, you will receive a $100 hotel credit. This can be used on dining, spa treatments, or any activity through the hotel. Cardholders will receive Ritz-Carlton Gold Elite status and if you spend $75,000 or more per year, you will be upgraded to Platinum Elite status. The card carries a variable APR between 16.24% and 23.24%.

There is a $450 annual fee, but you will receive a $300 annual travel credit, $100 credit towards Global Entry or TSA Pre-Check, and because this is a Visa Infinite card, you will also receive a $100 airfare discount when you purchase two or more airline tickets.

At publishing time, the Platinum Card from American Express is offered through Credit.com product pages, and Credit.com is compensated if our users apply and ultimately sign up for this card. However, this relationship does not result in any preferential editorial treatment.

Note: It’s important to remember that interest rates, fees and terms for credit cards, loans and other financial products frequently change. As a result, rates, fees and terms for credit cards, loans and other financial products cited in these articles may have changed since the date of publication. Please be sure to verify current rates, fees and terms with credit card issuers, banks or other financial institutions directly.

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The Credit Cards That Will Get You Past the Bouncer

red_carpet

Do you enjoy going to special events? Unfortunately, it’s become increasingly difficult to obtain tickets to the most popular sports and entertainment extravaganzas, and there’s many other experiences that never offer passes to the general public. Some credit cards, however, can offer you access to these events, including VIP experiences that can provide a glimpse “behind the velvet rope.”

Of course, you’ll need to read the terms and conditions carefully of any plastic you are considering to find the credit card that’s right for you. And you’ll also want to check your credit before applying. A good credit score helps you qualify for the better products on the market and you’ll want to be sure your credit score can handle a hard inquiry. (You can see where you currently stand by viewing your two free credit scores, updated each month, on Credit.com.)

Having said that, here are some credit cards and a few credit card rewards programs available with many cards that you can use to gain greater access to your favorite events.

1. The NFL Extra Points Card From Barclaycard

The NFL Extra Points Card from Barclaycard offers points that can be redeemed for tickets to NFL games or exclusive football experiences. Tickets are available to regular season games, the playoffs and even the Super Bowl. You can also redeem your points to attend experiences that are not sold to the public, such as a sideline pass for pre-game warm-ups, a chance to see your team emerge from the locker room or a post-game press conference. Cardholders choose a team before applying and the exclusive experiences can vary based on what that team offers. There is no annual fee for this card; it has a variable annual percentage rate of 15.24%20.24% or 25.24%, depending on your creditworthiness.   

2. The Platinum Card From American Express

One of the numerous benefits of American Express’ Platinum Card (see full review here) is its By Invitation Only program that gives cardholders access to extraordinary experiences including sports, fashion shows, fine dining and performing arts events. These experiences are customized for Platinum Card Members and are typically not available to the general public. This card also offers preferred seating to popular concerts, sports and entertainment events. There is a $450 annual fee for this card.  

3. The Starwood Preferred Guest Credit Card From American Express

The Starwood Preferred Guest credit card (see full review here) allows you to earn points in the Starwood Preferred Guest program which features SPG Moments, a chance to redeem points for exclusive access to music, sports and entertainment events. For example, packages that have been available include your own private luxury suite at Wrigley Field in Chicago, a luxury suite at Madison Square Garden to see comedian Amy Schumer and an event where you can meet Jennifer Lopez and enjoy VIP seats to her show in Las Vegas. There is a $95 annual fee for this card, waived the first year. Its APR is between 15.49% to 19.49% variable, depending on your creditworthiness. 

4. Citi Private Pass

This benefit is offered to Citi credit card and debit card holders, and features special access to live music, sports, dining, and family entertainment events. For example, events have included pre-sale concert tickets to see country music star Toby Keith, VIP and preferred pricing to a youth football camp with Super Bowl 50 MVP Von Miller of the Denver Broncos and an event featuring Cameron Diaz and Rachael Ray. (Full Disclosure: Citibank, American Express and Barclaycard advertise on Credit.com, but that results in no preferential editorial treatment.)

5. MasterCard Priceless Cities

Credit cardholders that are part of the MasterCard network can sign up for its Priceless Cities program, which features exclusive access to special events in some major cities. Offers have included a private Monument Park Tour at Yankee Stadium in New York and a behind-the-scenes tour of the Warner Bros. studios in Los Angeles.

6. Visa Signature

Credit card users who hold a Visa Signature card have access to exclusive events. For instance, events have included a free round of golf at Pebble Beach Golf Links with a two-night minimum stay at The Lodge, The Inn or Casa Palmero. In addition, preferred seats have been available to Cirque du Soleil shows.

At publishing time, the NFL Extra Points, American Express Platinum, Starwood Preferred Guest and Citibank credit cards are offered through Credit.com product pages, and Credit.com is compensated if our users apply and ultimately sign up for these cards. However, this relationship does not result in any preferential editorial treatment.

Note: It’s important to remember that interest rates, fees and terms for credit cards, loans and other financial products frequently change. As a result, rates, fees and terms for credit cards, loans and other financial products cited in these articles may have changed since the date of publication. Please be sure to verify current rates, fees and terms with credit card issuers, banks or other financial institutions directly.

More on Credit Cards:

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The Best Elite Credit Card in America

best elite credit card

Premium credit cards offer not just greater rewards and benefits, but they can provide a more enjoyable experience when traveling. Considering the ordeal that modern travel has become, these benefits alone are often worth the higher price that cardholders must pay to hold a premium credit card.

What to Look for in an Elite Credit Card

At its core, a premium credit card is a rewards credit card, and you should look for the most valuable rewards for the spending you do. Most of these cards offer a single point or mile per dollar spent, with bonus points or miles for spending on certain types of purchases. For example, a card that offers airline frequent flier miles will typically offer double points for purchases from that airline, while other cards might offer additional points for dining or entertainment purchases. But as with other rewards credit cards, those who tend to carry a balance should look for a card that offers the lowest possible interest rates, not rewards for spending. These credit cards often require an excellent credit score to get approved. You can check your credit scores for free on Credit.com to see where you stand.

Next, you have to consider the benefits of these cards, and your ability to use them. For example, a premium credit card affiliated with a single airline will offer perks like free checked bags and priority boarding, which can be valuable, but only when flying on that airline. Furthermore, premium credit cards will offer an airport lounge benefit, but you have to learn which lounges they provide access to, and if they also provide access for guests. Finally, you have to consider the price of these premium cards, which includes an annual fee of $400-$500.

The Winner: Citi AAdvantage Executive World Elite Mastercard

Why It Won: This card now goes above and beyond all other premium credit cards by offering lounge benefits not just for the primary cardholder, but for all authorized cardholders as well.

The Benefits: When traveling on American airlines, cardholders receive their first checked bag free for themselves and up to eight additional people on their reservation. Cardholders also get to use the priority check-in areas at ticket counters and the expedited airport screening lanes, as well as priority boarding privileges. Furthermore, all cardholders including additional authorized users receive American Airlines Admirals Club membership for themselves and their immediate family members, or two guests. And since there is no additional charge to request cards for authorized users, you can offer lounge club membership to anyone you choose to add to your account. (Just be aware that adding an authorized user to your account leaves you open to responsibility for any charges they incur using the card.)

Cardholders also receive a $100 statement credit towards an application for the Global Entry program. Reach elite status sooner by earning 10,000 AAdvantage elite qualifying miles every year when you spend $40,000 on purchases. (Full Disclosure: Citibank advertises on Credit.com, but that results in no preferential editorial treatment.)

The Costs: There is a $450 annual fee for this card and no foreign transaction fees.

Want to see the other winners in the Best Premium Credit Cards in America ranking? You can read more on Credit.com.

At publishing time, the Citi AAdvantage Executive World Elite Mastercard is offered through Credit.com product pages, and Credit.com is compensated if our users apply and ultimately sign up for this card. However, this relationship does not result in any preferential editorial treatment.

Note: It’s important to remember that interest rates, fees and terms for credit cards, loans and other financial products frequently change. As a result, rates, fees and terms for credit cards, loans and other financial products cited in these articles may have changed since the date of publication. Please be sure to verify current rates, fees and terms with credit card issuers, banks or other financial institutions directly.

More on Credit Cards:

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