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For the most part, my husband and I charge all our regular bills and expenses to credit cards to rack up rewards. Then, a few times per month, I sit down to look over our charges and pay our credit card bill in full. 

This is exactly what I was doing in the middle of July when I sat down to go over my Chase Sapphire Reserve® bill. On this particular day, however, I got the shock of my life!

In addition to the regular charges on my account that would normally be there — charges for groceries, dining, and utility bills, for instance — I…

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