Study smarter 2025-10-27T11:30:05Z

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That Tuesday started like any other - until my radiator exploded. As rusty water flooded my studio apartment, panic seized me harder than the wrench I'd foolishly tried using hours earlier. Repair quotes made my palms sweat: £800 minimum. My bank app mocked me with its £63.47 balance. Kneeling in brown sludge, I remembered the email notification I'd ignored for months: "Your Chip account has £372 waiting."

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Rain lashed against the commuter train windows as we jerked to another unexplained halt between stations. That metallic scent of wet wool and stale coffee hung thick in the air. My forehead pressed against the cold glass, counting identical backyards blurring into a gray smear. This daily paralysis - 38 minutes of suspended animation - used to dissolve my focus like sugar in hot tea. Then one Tuesday, thumbing through my phone in desperation, I found it.

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Rain lashed against the taxi window as I fumbled with crumpled receipts, my stomach churning like the storm outside. Another client meeting in Berlin, another expense hemorrhage – but this time, the hotel had just declined my corporate card. "Insufficient funds," the receptionist murmured, her polite smile twisting into a knife. My fingers trembled over my phone, scrolling through banking apps that showed outdated balances like cruel jokes. That's when I remembered the Raiffeisen Smart Business

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Thursday's fluorescent lights hummed overhead as I frantically patted every pocket. My physical loyalty card - the one granting access to six months of accumulated points - wasn't in my wallet. Not in the jacket I'd worn yesterday. Not even lurking in the abyss of my handbag. The limited-edition kitchen set I'd been eyeing for weeks flashed its "last 3 in stock" sign mockingly from the display. Sweat prickled my neck as the realization hit: 27,500 points about to evaporate because of my forgetfu

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