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I had a bad experience with one of these programs many years ago. The details are a bit hazy now but I do remember that it is difficult to get enough people/businesses involved to be able to swap services/businesses that you want, and you have to watch out for the hidden fees, especially exit fees.

Anyway it left a very bad taste in my mouth and I wasn’t the only one by a long shot. I didn’t realise these programs were still going, I haven’t seen any promotions for a long time.