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@Elfinsafety
Oh I know it will come through; it's a legally binding agreement. It's just a PITA. I've rung CitiBank today, but they've now told me to ring Nikon. Which I can't do until Monday.
The card thing is a bit annoying, but apparently it's just like a debit card that you can use in shops, so that's fine. TBH I might just buy more cam kit with it anyway.