"@amberlink: Some places are allowed, even encouraged to use Facebook as a part of KYC (Know Your Customer) policies - to prevent fraud and money laundering."
"@witeowl: Good luck finding places that don't automatically add on gratuity for "large" parties in many places.
The distiction between "gratuity" and "service fee" isn't trivial."
"@JohnQPublic: If you like your promotioal balance transfer rate, you can keep it ;)
If you're able to accept and offer and work out a budget to pay it off completely before it expires, you're probably in good hands."
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