Right now with the refer a friend, they are giving a $20 gift card after you're 
approved for the Gymbo Visa--even BEFORE you put anything on your card!  You 
can just get the card and cut it up.  LOL  Anyway, here's the link if anyone 
would like to do it.  You can also print an application and mail it in.

REFERRAL CODE: 100024143

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