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Originally Posted by fratkid21
anyone concerned about ED's rating drop?
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I wouldn't be. If the bank really does fall apart, then you can simply transfer your money elsewhere. But I think it's a good reason to have your money in at least 2 different banks.
In fact I'm looking at Emigrant myself because of the whole 1.4% cash back credit card deal. I'd use my 5% cash back where possible, and use the Emigrant card for everything else.