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It might be easy to overspend since youвre looking at flights and hotels, which arenвt cheap expenses. Equifax Credit Information Services Private Limited (ECIS): One of the oldest credit information companies of USA, Equifax is also the largest credit reporting agency in the US. Even with the fee, if your existing balance is large enough this card could help save you a ton of money on interest charges. 50,000 in purchases per year, here point per dollar thereafter. You must pay your balance in full every month.