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Plus for every dollar you spend, earn: 3 points on travel, 2 points on dining, and 1.25 points on everything else.Your points never expire and add up faster than with any other On Point card.A great local credit card should provide the convenience and peace of mind you need, with the perks and rewards you deserve.With better rates, no hidden fees, and built-in security features, our suite of On Point Visa Enjoy premium reward options, exclusive VIP access, discounts and more.Transgender, as defined by Merriam-Webster, is "relating to, or being a person who identifies with or expresses a gender identity that differs from the one which corresponds to the person's sex at birth." Which is where sex reconstruction surgery (SRS) comes in. But to simplify, think upper and lower body modifications -- commonly referred to as top and bottom procedures.SRS helps a person born male or female switch their gender by changing outward appearances. For males transitioning to females, top modifications include breast augmentation and facial feminization.

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That neuters almost every mainstream credit card's interest charging ability.

A female transitioning to a male may elect for top procedures such as the removal of breasts with a bilateral mastectomy, then reconstructive surgery to simulate a more masculine chest.

I can hear the righteous indignation now: "We're a nation in the midst of a debt-driven crisis, with a trillion pounds of personal borrowing – and now that Money Saving Expert's telling us that credit cards are our friends".

With an estimated 1,000 online dating sites in existence, however, it can be hard to sift through all the options and decide which is the best site.

Creating online dating profiles helps consumers carefully consider potential matches.