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| Who can do me a favour to explain the follwings? 
 You must apply for the credit card via the link provided in this email to receive the promotional interest rate of 0% p.a. on purchases for 9 months. This offer is only available to new cardholders who apply between 1 October 2010 and 31 January 2011. After the promotional period, any balances outstanding will accrue interest at the Purchase Interest Rate current at the time (currently 19.49% p.a.). This offer excludes interest free promotions, balance transfers and cash advances.
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