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    Sherry Kub
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    Reward schemes look generous until you work out what a point is actually worth in seeds. Some banks return roughly five percent as credit, which is fine, while others need three hundred euros of spending before anything unlocks. Point values and redemption thresholds are spelled out on https://budweedseeds.com rather than hidden in account settings. Loyalty credit only makes sense if you were going to buy from that seller anyway.

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